BlastPoint's Credit Union Scorecard
HOUSTON POLICE
Charter #2357 · TX
HOUSTON POLICE has 8 strengths but faces 6 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 9.4% in tier
- + Organic Growth Leader: Top 14.3% in tier
- + ROA 0.32% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 6.2% in tier
- + Total Assets: Top 7.1% in tier
- + Fee Income Per Member: Top 8.0% in tier
- + Average Member Relationship (AMR): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 21.9% in tier
- - Credit Quality Pressure: Bottom 29.2% in tier
- - Credit Risk Growth: Bottom 29.6% in tier
- - Liquidity Overhang: Bottom 55.6% in tier
- - Loan-to-Share Ratio: Bottom 8.9% in tier
- - Total Members: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,077
+2.8% YoY+1.3% QoQ
|
-20.0K |
52,114
-2.1% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 8.9% in tier |
| Assets |
$965.1M
+3.9% YoY+0.5% QoQ
|
+$106.1M |
$859.0M
+0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 8.0% in tier |
| Loans |
$473.0M
+1.4% YoY+0.7% QoQ
|
$-130.4M |
$603.4M
+1.0% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.5% in tier |
| Deposits |
$837.9M
+2.2% YoY-0.3% QoQ
|
+$103.8M |
$734.2M
+0.9% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Top 12.5% in tier |
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| ROA |
1.0%
+33.3% YoY+20.3% QoQ
|
+0.3% |
0.7%
+27.6% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
71% |
| NIM |
2.6%
+15.0% YoY+3.4% QoQ
|
-0.8% |
3.4%
+9.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 12.5% in tier |
| Efficiency Ratio |
60.4%
-5.1% YoY-5.9% QoQ
|
-14.1% |
74.5%
-3.2% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.6% in tier |
| Delinquency Rate |
0.6%
+0.7% YoY+12.3% QoQ
|
-0.2 |
0.8%
+5.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
47% |
| Loan To Share |
56.4%
-0.8% YoY+1.0% QoQ
|
-26.2% |
82.7%
+0.1% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.0% in tier |
| AMR |
$40,868
-0.9% YoY-1.3% QoQ
|
+$12K |
$28,651
+2.5% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Top 10.7% in tier |
| CD Concentration |
31.0%
+6.6% YoY+3.3% QoQ
|
+6.6% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
74% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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 (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate 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)