BORDER
Charter #24304 | TX
100M-500M
(1077 CUs)
Micro
($0-$500M)
79 100M-500M in TX
BORDER has 10 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 12.3% in tier
- + Wallet Share Momentum: Top 19.3% in tier
- + Relationship Depth Leader: Top 29.1% in tier
- + Organic Growth Leader: Top 32.4% in tier
- + ROA 0.83% above tier average
- + Net Interest Margin 0.88% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 4.1% in tier
- + Net Worth Ratio: Top 5.8% in tier
- + Total Members: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 3.8% in tier
- - Growth-at-Risk: Bottom 10.5% in tier
- - Liquidity Overhang: Bottom 11.5% in tier
- - Credit Quality Pressure: Bottom 14.0% in tier
- - Average Member Relationship (AMR): Bottom 3.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,647
+0.5% YoY+0.3% QoQ
|
+12.0K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 9.6% in tier |
| Assets |
$254.9M
+4.6% YoY+0.5% QoQ
|
+$23.6M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
66th in tier |
| Loans |
$156.9M
+7.2% YoY+2.4% QoQ
|
+$9.1M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
63rd in tier |
| Deposits |
$194.6M
+3.2% YoY-0.3% QoQ
|
$-5.7M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
58th in tier |
| ROA |
1.6%
-18.0% YoY-2.1% QoQ
|
+0.8% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 9.2% in tier |
| NIM |
4.5%
+6.0% YoY+1.7% QoQ
|
+0.9% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 10.0% in tier |
| Efficiency Ratio |
75.0%
+5.8% YoY+1.7% QoQ
|
-2.2% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
42nd in tier |
| Delinquency Rate |
0.8%
+38.3% YoY+32.9% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
56th in tier |
| Loan To Share |
80.7%
+3.9% YoY+2.7% QoQ
|
+8.0% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
65th in tier |
| AMR |
$12,714
+4.4% YoY+0.6% QoQ
|
$-12K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.7% in tier |
| CD Concentration |
10.6%
+0.4% YoY-0.8% QoQ
|
-13.8% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (4)
Organic Growth Engine
growth
#227 of 603 • Top 12.3% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
0.52%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.62%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#534 of 1006 • Top 19.3% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
4.42%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Relationship Depth Leader
growth
#802 of 1006 • Top 29.1% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
4.42%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$1.9K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Organic Growth Leader
growth
#428 of 430 • Top 32.4% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
0.52%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank worsening
Concerns (4)
Margin Compression
decline
#17 of 136 • Bottom 3.8% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
1.62%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.36% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$254.85M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Growth-at-Risk
risk
#159 of 446 • Bottom 10.5% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
7.24%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.21% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
Rank improving
Liquidity Overhang
risk
#179 of 552 • Bottom 11.5% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
17.65%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
80.66%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank worsening
Credit Quality Pressure
risk
#348 of 736 • Bottom 14.0% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.21% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
45
Fee Income Per Member
profitability
Value:
$316.16
Peer Avg: $174.31
#45 of 1077
Top 4.1% in 100M-500M tier
63
Net Worth Ratio
risk
Value:
17.65%
Peer Avg: 12.15%
#63 of 1077
Top 5.8% in 100M-500M tier
99
Return on Assets (ROA)
profitability
Value:
1.62%
Peer Avg: 0.79%
#99 of 1077
Top 9.1% in 100M-500M tier
103
Total Members
engagement
Value:
27,647
Peer Avg: 15,628
#103 of 1077
Top 9.5% in 100M-500M tier
108
Net Interest Margin (NIM)
profitability
Value:
4.46%
Peer Avg: 3.58%
#108 of 1077
Top 9.9% in 100M-500M tier
128
Share Certificate Concentration (%)
balance_sheet
Value:
10.62%
Peer Avg: 23.61%
#128 of 1077
Top 11.8% in 100M-500M tier
270
Loan Growth Rate
growth
Value:
7.24%
Peer Avg: 3.45%
#270 of 1077
Top 25.0% in 100M-500M tier
Top Weaknesses (3 metrics)
1037
Average Member Relationship (AMR)
engagement
Value:
$12,714
Peer Avg: $24,363
#1037 of 1077
Bottom 3.8% in 100M-500M tier
965
Members Per Employee (MPE)
engagement
Value:
228.488
Peer Avg: 332.881
#965 of 1077
Bottom 10.5% in 100M-500M tier
963
Loan-to-Member Ratio (LMR)
engagement
Value:
$5,676
Peer Avg: $10,245
#963 of 1077
Bottom 10.7% in 100M-500M tier