BlastPoint's Credit Union Scorecard
TEXSTAR
Charter #17953 · TX
TEXSTAR faces 6 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.30% below tier average
- - Efficiency ratio 4.55% above tier (higher cost structure)
- - Delinquency rate 0.83% above tier average
- - Asset Growth Rate: Bottom 8.4% in tier
- - Indirect Auto Concentration (%): Bottom 8.6% in tier
- - Deposit Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,219
-1.9% YoY+0.5% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$20.9M
-7.2% YoY-5.3% QoQ
|
$-9.2M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$5.4M
-6.2% YoY+0.6% QoQ
|
$-10.4M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$18.2M
-8.5% YoY-6.1% QoQ
|
$-7.5M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
50% |
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| ROA |
0.3%
-54.3% YoY-23.9% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
3.6%
+4.1% YoY+3.1% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
37% |
| Efficiency Ratio |
87.1%
+11.1% YoY+0.9% QoQ
|
+4.5% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
2.4%
+554.6% YoY+77.3% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
29.5%
+2.5% YoY+7.2% QoQ
|
-31.1% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.9% in tier |
| AMR |
$19,308
-6.2% YoY-5.1% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
5.4%
+38.4% YoY+22.7% QoQ
|
-19.0% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
10.9%
-38.8% YoY-13.9% QoQ
|
-2.9% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)