BlastPoint's Credit Union Scorecard

TEXASGULF

Charter #2322 · TX

1077 CUs in 100M-500M nationally 79 in TX

TEXASGULF has 5 strengths but faces 5 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

+ Organic Growth Engine: Top 17.8% in tier
+ Organic Growth Leader: Top 18.3% in tier
+ Emerging Performer: Top 65.8% in tier
+ ROA 0.31% above tier average
+ Members Per Employee (MPE): Top 7.4% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 5.7% in tier
- Credit Quality Pressure: Bottom 12.6% in tier
- Indirect Auto Dependency: Bottom 21.6% in tier
- Fee Income Per Member: Bottom 5.9% in tier
- Share Certificate Concentration (%): Bottom 7.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	14,843 +2.1% YoY+0.7% QoQ	-785	15,628 -3.4% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	57%
Assets	$213.3M +6.2% YoY+2.8% QoQ	$-18.0M	$231.3M -0.0% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	54%
Loans	$132.7M +10.5% YoY+1.4% QoQ	$-15.1M	$147.8M -1.4% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	54%
Deposits	$181.3M +4.4% YoY+1.3% QoQ	$-19.0M	$200.3M -0.0% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	53%

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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	1.1% +34.2% YoY-0.3% QoQ	+0.3%	0.8% +15.5% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	71%
NIM	3.1% +26.8% YoY+1.4% QoQ	-0.5%	3.6% +6.9% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	21%
Efficiency Ratio	64.8% -7.8% YoY+2.4% QoQ	-12.5%	77.3% -3.0% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	15%
Delinquency Rate	0.6% +66.4% YoY+30.5% QoQ	-0.2	0.9% +7.6% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	46%
Loan To Share	73.2% +5.9% YoY+0.0% QoQ	+0.5%	72.7% -1.5% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	48%
AMR	$21,151 +4.7% YoY+0.7% QoQ	$-3K	$24,363 +2.9% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	43%
CD Concentration	40.3% +1.1% YoY+5.7% QoQ	+15.9%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	19.9% +150.9% YoY+8.3% QoQ	+5.9%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#327 of 603 • Top 17.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.14%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.10%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 19.90%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth

#242 of 430 • Top 18.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.14%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 19.90%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Emerging Performer

growth

#126 of 191 • Top 65.8% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.10%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 2.14%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (3)

Credit Risk Growth

risk

#86 of 446 • Bottom 5.7% in tier

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

Why This Signature

Loan Growth (YoY): 10.55%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.24% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk

#313 of 736 • Bottom 12.6% 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: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#348 of 525 • Bottom 21.6% in tier

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

Why This Signature

Asset Growth (YoY): 6.17%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 19.90%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 2.14%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 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 1077 peers in tier

Top Strengths (4 metrics)

Members Per Employee (MPE)

engagement

Value: 478.806

Peer Avg: -

#81 of 1077 Top 7.4% in 100M-500M tier

149

Loan Growth Rate

growth

Value: 10.55%

Peer Avg: -

#149 of 1077 Top 13.7% in 100M-500M tier

164

Efficiency Ratio

profitability

Value: 64.78%

Peer Avg: -

#164 of 1077 Top 15.1% in 100M-500M tier

231

Net Worth Ratio

risk

Value: 14.00%

Peer Avg: -

#231 of 1077 Top 21.4% in 100M-500M tier

Top Weaknesses (3 metrics)

1014

Fee Income Per Member

profitability

Value: $71.84

Peer Avg: -

#1014 of 1077 Bottom 5.9% in 100M-500M tier

998

Share Certificate Concentration (%)

balance_sheet

Value: 40.32%

Peer Avg: -

#998 of 1077 Bottom 7.4% in 100M-500M tier

846

Net Interest Margin (NIM)

profitability

Value: 3.06%

Peer Avg: -

#846 of 1077 Bottom 21.5% in 100M-500M tier