BlastPoint's Credit Union Scorecard
TEXAS COMMUNITY
Charter #1879 · TX
TEXAS COMMUNITY has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.99% above tier average
- + Fee Income Per Member: Top 3.3% in tier
- + Deposit Growth Rate: Top 3.5% in tier
- + Asset Growth Rate: Top 4.1% in tier
- + Loan Growth Rate: Top 5.7% in tier
- + AMR Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.77% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,880
+3.1% YoY+1.4% QoQ
|
+203 |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
66% |
| Assets |
$31.1M
+12.9% YoY+2.0% QoQ
|
+$902K |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
60% |
| Loans |
$21.7M
+15.1% YoY+8.0% QoQ
|
+$6.4M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
73% |
| Deposits |
$26.6M
+14.3% YoY+2.1% QoQ
|
+$853K |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
-0.6%
-150.5% YoY-159.0% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.8% in tier |
| NIM |
5.0%
-9.1% YoY-6.9% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 11.7% in tier |
| Efficiency Ratio |
70.7%
-0.6% YoY-5.0% QoQ
|
-19.9% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
27% |
| Delinquency Rate |
1.5%
-32.0% YoY-50.4% QoQ
|
+0.0 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
74% |
| Loan To Share |
81.4%
+0.8% YoY+5.7% QoQ
|
+22.9% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
83% |
| AMR |
$16,774
+11.2% YoY+3.2% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
64% |
| CD Concentration |
29.4%
-18.9% YoY-9.6% QoQ
|
+5.1% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)