BlastPoint's Credit Union Scorecard
HOUSTON POLICE
Charter #2357 · TX
HOUSTON POLICE has 8 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 12.0% in tier
- + Organic Growth Leader: Top 12.0% in tier
- + ROA 0.28% above tier average
- + Total Assets: Top 0.1% in tier
- + Net Worth Ratio: Top 5.1% in tier
- + Total Deposits: Top 6.0% in tier
- + Average Member Relationship (AMR): Top 8.5% in tier
- + Efficiency Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 6.1% in tier
- - Liquidity Overhang: Bottom 8.4% in tier
- - Shrinking Wallet Share: Bottom 89.5% in tier
- - Loan-to-Share Ratio: Bottom 6.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,086
+4.6% YoY+1.3% QoQ
|
-18.4K |
51,500
+0.7% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Bottom 12.0% in tier |
| Assets |
$999.5M
+5.3% YoY+1.0% QoQ
|
+$133.8M |
$865.6M
+0.9% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Top 0.9% in tier |
| Loans |
$472.5M
+0.3% YoY-1.0% QoQ
|
$-122.8M |
$595.3M
+1.6% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.1% in tier |
| Deposits |
$865.7M
+3.4% YoY+1.2% QoQ
|
+$123.5M |
$742.2M
+0.6% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Top 6.8% in tier |
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| ROA |
1.0%
+53.5% YoY+3.3% QoQ
|
+0.3% |
0.8%
+45.0% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
74% |
| NIM |
2.9%
+18.5% YoY+8.6% QoQ
|
-0.6% |
3.5%
+6.1% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
20% |
| Efficiency Ratio |
59.5%
-9.8% YoY-1.4% QoQ
|
-16.0% |
75.5%
-3.4% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Top 9.4% in tier |
| Delinquency Rate |
0.5%
-1.7% YoY-13.8% QoQ
|
-0.2 |
0.7%
-0.1% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
54.6%
-3.0% YoY-2.2% QoQ
|
-26.0% |
80.6%
+0.7% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.0% in tier |
| AMR |
$40,446
-2.2% YoY-0.9% QoQ
|
+$12K |
$28,908
+0.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Top 9.4% in tier |
| CD Concentration |
31.0%
+2.9% YoY+0.1% QoQ
|
+6.7% | 24.3% | 21.3% | 19.8% | 74% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)