BlastPoint's Credit Union Scorecard

TEXASGULF

Charter #2322 · TX

100M-500M

1024 CUs in 100M-500M nationally 74 in TX

TEXASGULF has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Members Per Employee (MPE): Top 8.3% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Fee Income Per Member: Bottom 4.9% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
Shares and deposits +5.8% year over year ($189M in shares and deposits).
Membership: 14,663 members, -0.5% vs a year ago.
Delinquency rate 0.61%.
Return on assets 0.85%.
Efficiency ratio 71.25% vs a 76.73% peer average.
Loan-to-share ratio 71.91% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	14,663 -0.5% YoY-1.8% QoQ	-505	15,168 -2.6% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	58%
Assets	$220.5M +6.3% YoY-0.4% QoQ	$-11.5M	$232.0M +0.7% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	56%
Loans	$136.2M +4.0% YoY+1.5% QoQ	$-10.1M	$146.3M +0.2% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	56%
Deposits	$189.3M +5.8% YoY-0.7% QoQ	$-11.4M	$200.7M +0.2% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	56%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% -22.4% YoY+10.2% QoQ	+0.0%	0.9% +12.5% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	56%
NIM	3.2% +5.1% YoY+2.4% QoQ	-0.5%	3.7% +4.5% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	21%
Efficiency Ratio	71.2% +12.6% YoY-0.9% QoQ	-5.5%	76.7% -0.8% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	30%
Delinquency Rate	0.6% +30.4% YoY+22.9% QoQ	-0.3	0.9% +6.6% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	44%
Loan To Share	71.9% -1.7% YoY+2.2% QoQ	+0.4%	71.5% -0.3% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	48%
AMR	$22,198 +5.6% YoY+2.1% QoQ	$-3K	$25,107 +3.2% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	45%
CD Concentration	40.7% +6.7% YoY+2.9% QoQ	+16.1%	24.6%	21.6%	20.0%	50%
Indirect Auto %	20.9% +13.6% YoY-0.1% QoQ	+7.3%	13.6%	6.9%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#421 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.64%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY

Concerns (7)

Cost Spiral

risk

#42 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 7.97% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 63.28%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#230 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.26%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 20.89%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -0.54%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Credit Quality Pressure

risk

#419 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.14% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

Credit Risk Growth

risk

#339 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.04%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.14% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank worsening

Margin Compression

decline

#109 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.85%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

ROA (Prior Year): 1.10%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.25% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Stagnation Risk

risk

#513 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.54%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 4.04%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.61%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Membership Headwinds

decline

#537 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.54%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (2 metrics)

Members Per Employee (MPE)

engagement

Value: 473.000

Peer Median: 310.924

#86 of 1024 Top 8.3% in 100M-500M tier

227

Net Worth Ratio

risk

Value: 14.27%

Peer Median: 11.71%

#227 of 1024 Top 22.1% in 100M-500M tier

Top Weaknesses (3 metrics)

975

Fee Income Per Member

profitability

Value: $66.87

Peer Median: $159.88

#975 of 1024 Bottom 4.9% in 100M-500M tier

950

Share Certificate Concentration (%)

balance_sheet

Value: 40.68%

Peer Median: 23.39%

#950 of 1024 Bottom 7.3% in 100M-500M tier

813

Net Interest Margin (NIM)

profitability

Value: 3.17%

Peer Median: 3.67%

#813 of 1024 Bottom 20.7% in 100M-500M tier