BlastPoint's Credit Union Scorecard
HOUSTON POLICE
Charter #2357 · TX
HOUSTON POLICE has 8 strengths but faces 4 concerns
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 17.3% in tier
- + Organic Growth Leader: Top 30.6% in tier
- + ROA 0.26% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 2.6% in tier
- + Total Deposits: Top 5.1% in tier
- + Net Worth Ratio: Top 7.7% in tier
- + Average Member Relationship (AMR): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 61.9% in tier
- - Shrinking Wallet Share: Bottom 83.6% in tier
- - Loan-to-Share Ratio: Bottom 7.7% in tier
- - AMR Growth Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,650
+3.9% YoY+1.8% QoQ
|
-19.4K |
52,084
-1.6% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 11.1% in tier |
| Assets |
$989.2M
+6.7% YoY+2.5% QoQ
|
+$125.3M |
$863.9M
+0.5% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 3.4% in tier |
| Loans |
$477.3M
+1.0% YoY+0.9% QoQ
|
$-128.5M |
$605.8M
+1.4% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.0% in tier |
| Deposits |
$855.5M
+3.7% YoY+2.1% QoQ
|
+$118.2M |
$737.3M
+0.1% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 6.0% in tier |
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| ROA |
1.0%
+33.4% YoY-2.7% QoQ
|
+0.3% |
0.7%
+39.1% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
69% |
| NIM |
2.7%
+16.4% YoY+1.8% QoQ
|
-0.7% |
3.4%
+8.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.0% in tier |
| Efficiency Ratio |
60.3%
-5.7% YoY-0.2% QoQ
|
-14.0% |
74.3%
-3.6% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate |
0.6%
-8.4% YoY-8.7% QoQ
|
-0.3 |
0.9%
+3.8% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
34% |
| Loan To Share |
55.8%
-2.6% YoY-1.1% QoQ
|
-26.8% |
82.6%
+1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.8% in tier |
| AMR |
$40,820
-1.2% YoY-0.1% QoQ
|
+$12K |
$28,873
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Top 10.3% in tier |
| CD Concentration |
30.9%
+3.9% YoY-0.3% QoQ
|
+6.5% | 24.4% | 21.2% | 19.8% | 74% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | Bottom 0.0% 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 (<20%). Healthy, sustainable growth model.
Concerns (2)
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.
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)