BlastPoint's Credit Union Scorecard

TEXASGULF

Charter #2322 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

TEXASGULF has 1 strength but faces 7 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

+ Members Per Employee (MPE): Top 9.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Fee Income Per Member: Bottom 4.9% in tier
- Share Certificate Concentration (%): Bottom 8.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	14,934 +0.9% YoY+0.3% QoQ	-211	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	59%
Assets	$221.5M +4.6% YoY+2.8% QoQ	$-10.2M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	57%
Loans	$134.1M +3.4% YoY-1.6% QoQ	$-10.0M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	56%
Deposits	$190.6M +3.6% YoY+3.7% QoQ	$-10.5M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	57%

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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	0.8% -19.6% YoY-32.0% QoQ	+0.0%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	56%
NIM	3.1% +7.5% YoY+1.2% QoQ	-0.5%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	20%
Efficiency Ratio	71.9% +10.7% YoY+12.1% QoQ	-6.1%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	28%
Delinquency Rate	0.5% +91.3% YoY-20.9% QoQ	-0.3	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	41%
Loan To Share	70.4% -0.2% YoY-5.1% QoQ	-0.1%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	47%
AMR	$21,744 +2.6% YoY+1.2% QoQ	$-3K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	43%
CD Concentration	39.5% +0.9% YoY-3.5% QoQ	+15.3%	24.3%	21.3%	19.8%	50%
Indirect Auto %	20.9% +32.3% YoY+2.6% QoQ	+7.1%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#299 of 727 • 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): 0.24% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#280 of 476 • 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): 3.42%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.24% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Cost Spiral

risk

#57 of 83 • 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: 6.93% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 41.58%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#361 of 504 • 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): 4.64%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 20.90%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.89%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Margin Compression

decline

#121 of 133 • 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: 0.77%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 0.96%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.19% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | 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 1070 peers in tier

Top Strengths (2 metrics)

Members Per Employee (MPE)

engagement

Value: 466.688

Peer Median: 309.176

#99 of 1070 Top 9.2% in 100M-500M tier

223

Net Worth Ratio

risk

Value: 13.98%

Peer Median: 11.45%

#223 of 1070 Top 20.7% in 100M-500M tier

Top Weaknesses (3 metrics)

1019

Fee Income Per Member

profitability

Value: $59.57

Peer Median: $154.95

#1019 of 1070 Bottom 4.9% in 100M-500M tier

984

Share Certificate Concentration (%)

balance_sheet

Value: 39.55%

Peer Median: 23.10%

#984 of 1070 Bottom 8.1% in 100M-500M tier

858

Net Interest Margin (NIM)

profitability

Value: 3.10%

Peer Median: 3.62%

#858 of 1070 Bottom 19.9% in 100M-500M tier