BlastPoint's Credit Union Scorecard
HOUSTON POLICE
Charter #2357 · TX
HOUSTON POLICE has 8 strengths but faces 8 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 20.2% in tier
- + Organic Growth Leader: Top 20.2% in tier
- + Emerging Performer: Top 24.5% in tier
- + ROA 0.31% above tier average
- + Strong member growth: 5.3% YoY
- + Net Worth Ratio: Top 6.0% in tier
- + Efficiency Ratio: Top 6.7% in tier
- + Average Member Relationship (AMR): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 5.3% in tier
- - Wealth Migration Risk: Bottom 9.9% in tier
- - Credit Quality Pressure: Bottom 28.2% in tier
- - Shrinking Wallet Share: Bottom 88.2% in tier
- - Total Members: Bottom 1.7% in tier
- - Total Loans: Bottom 2.0% in tier
- - Total Assets: Bottom 2.3% in tier
- - Loan-to-Share Ratio: Bottom 3.7% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
- Shares and deposits +4.7% year over year ($880M in shares and deposits).
- Membership: 33,313 members, +5.3% vs a year ago.
- Delinquency rate 0.70%.
- Return on assets 1.13%.
- Efficiency ratio 58.26% vs a 73.02% peer average.
- Loan-to-share ratio 53.47% vs a 84.71% 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 |
33,313
+5.3% YoY+0.7% QoQ
|
-63.5K |
96,861
-1.9% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Bottom 1.3% in tier |
| Assets |
$1.0B
+5.8% YoY+1.6% QoQ
|
$-708.4M |
$1.7B
+0.4% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.0% in tier |
| Loans |
$470.5M
+0.1% YoY-0.4% QoQ
|
$-763.8M |
$1.2B
+0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 1.7% in tier |
| Deposits |
$879.8M
+4.7% YoY+1.6% QoQ
|
$-583.5M |
$1.5B
+0.5% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.3% in tier |
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| ROA |
1.1%
+31.1% YoY+8.4% QoQ
|
+0.3% |
0.8%
+27.6% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
78% |
| NIM |
2.9%
+16.3% YoY+1.7% QoQ
|
-0.5% |
3.4%
+6.6% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
17% |
| Efficiency Ratio |
58.3%
-9.3% YoY-2.1% QoQ
|
-14.8% |
73.0%
-2.7% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 6.7% in tier |
| Delinquency Rate |
0.7%
+23.7% YoY+40.0% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
50% |
| Loan To Share |
53.5%
-4.3% YoY-2.0% QoQ
|
-31.2% |
84.7%
+0.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 3.3% in tier |
| AMR |
$40,534
-2.1% YoY+0.2% QoQ
|
+$11K |
$29,575
+1.5% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 9.0% in tier |
| CD Concentration |
31.5%
+4.9% YoY+1.8% QoQ
|
+2.4% | 29.1% | 21.6% | 20.0% | 63% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 6.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
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)