BlastPoint's Credit Union Scorecard
TEXSTAR
Charter #17953 · TX
TEXSTAR faces 8 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 0.06% below tier average
- - Efficiency ratio 5.58% above tier (higher cost structure)
- - Delinquency rate 2.26% above tier average
- - Asset Growth Rate: Bottom 3.8% in tier
- - Deposit Growth Rate: Bottom 4.1% in tier
- - AMR Growth Rate: Bottom 7.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.4% in tier
- - Indirect Auto Concentration (%): Bottom 8.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,223
-1.8% YoY+0.3% QoQ
|
-1.5K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
34% |
| Assets |
$20.0M
-11.0% YoY-4.2% QoQ
|
$-10.1M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
48% |
| Loans |
$5.2M
-5.5% YoY-2.8% QoQ
|
$-10.1M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
36% |
| Deposits |
$17.3M
-12.7% YoY-4.8% QoQ
|
$-8.5M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
48% |
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| ROA |
0.1%
-56.6% YoY-72.7% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
25% |
| NIM |
3.6%
+11.0% YoY-0.2% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
39% |
| Efficiency Ratio |
96.2%
+4.7% YoY+10.5% QoQ
|
+5.6% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
80% |
| Delinquency Rate |
3.8%
+1571.8% YoY+58.1% QoQ
|
+2.3 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.4% in tier |
| Loan To Share |
30.1%
+8.3% YoY+2.2% QoQ
|
-28.4% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.6% in tier |
| AMR |
$18,405
-9.5% YoY-4.7% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
71% |
| CD Concentration |
6.6%
+114.1% YoY+21.7% QoQ
|
-17.7% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % |
9.8%
-39.9% YoY-9.7% QoQ
|
-4.0% | 13.8% | 6.9% | 7.7% | 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)