BlastPoint's Credit Union Scorecard

CREDIT HUMAN

Charter #24382 · TX

Mid-Market 3B-5B

77 CUs in 3B-5B nationally 6 in TX

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CREDIT HUMAN has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.73% above tier average
+ First Mortgage Concentration (%): Top 0.1% in tier
+ Total Loans: Top 5.2% in tier
+ Loan-to-Share Ratio: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 3.5% in tier
- Efficiency Drag: Bottom 10.9% in tier
- Shrinking Wallet Share: Bottom 90.9% in tier
- Indirect Auto Dependency: Bottom 90.9% in tier
- Deposit Outflow: Bottom 92.2% in tier
- ROA 0.82% below tier average
- Efficiency ratio 14.31% above tier (higher cost structure)
- Delinquency rate 0.26% above tier average

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 77 credit unions with $3B-$5B in assets nationally, and 1 of 6 that size in Texas.
Shares and deposits -1.2% year over year ($3.59B in shares and deposits).
Membership: 259,260 members, +1.3% vs a year ago.
Delinquency rate 1.09%.
Return on assets 0.11%.
Efficiency ratio 83.76% vs a 69.45% peer average.
Loan-to-share ratio 108.04% vs a 90.24% 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	259,260 +1.3% YoY-1.6% QoQ	+42.7K	216,545 -9.5% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	78%
Assets	$4.3B -0.9% YoY-0.9% QoQ	+$440.9M	$3.9B -1.6% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	74%
Loans	$3.9B -1.3% YoY-2.2% QoQ	+$948.8M	$2.9B -1.2% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	Top 6.5% in tier
Deposits	$3.6B -1.2% YoY-0.9% QoQ	+$334.0M	$3.3B -2.6% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	68%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -133.9% YoY-21.7% QoQ	-0.8%	0.9% +25.3% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	Bottom 3.9% in tier
NIM	4.0% +14.0% YoY+2.5% QoQ	+0.7%	3.2% +3.8% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	Top 10.4% in tier
Efficiency Ratio	83.8% -9.9% YoY+1.6% QoQ	+14.3%	69.5% -2.3% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	Bottom 7.8% in tier
Delinquency Rate	1.1% -19.8% YoY+2.8% QoQ	+0.3	0.8% +5.5% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	78%
Loan To Share	108.0% -0.0% YoY-1.3% QoQ	+17.8%	90.2% +0.9% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	Top 9.1% in tier
AMR	$28,817 -2.5% YoY-0.0% QoQ	$-2K	$31,018 +6.9% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	48%
CD Concentration	45.1% -7.9% YoY-1.2% QoQ	+16.0%	29.1%	21.6%	20.0%	Top 5.9% in tier
Indirect Auto %	25.6% -23.0% YoY-6.0% QoQ	+7.6%	18.1%	6.9%	7.7%	71%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Liquidity Strain

risk

#66 of 168 • Bottom 3.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 108.04%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -1.25%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

Deposit Outflow

decline

#10 of 23 • Bottom 92.2% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.23%

(Tier: 6.36%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 1.30%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

23 of 377 Mid-Market CUs have this signature | 109 nationally

→ Stable (22→23 CUs) +1 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#35 of 69 • Bottom 90.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.51%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY

Efficiency Drag

risk

#48 of 71 • Bottom 10.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.76%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.42% points

(Tier: 0.18% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 1.30%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#166 of 193 • Bottom 90.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.88%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 25.64%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 1.30%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 77 peers in tier

Top Strengths (6 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 7.55%

Peer Median: 32.92%

#1 of 77 Top 0.1% in 3B-5B tier

Total Loans

balance_sheet

Value: $3.88B

Peer Median: $2.91B

#5 of 77 Top 5.2% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 108.04%

Peer Median: 93.34%

#7 of 77 Top 7.8% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 3.96%

Peer Median: 3.28%

#8 of 77 Top 9.1% in 3B-5B tier

Total Members

engagement

Value: 259,260

Peer Median: 211,695

#17 of 77 Top 20.8% in 3B-5B tier

Total Assets

balance_sheet

Value: $4.34B

Peer Median: $3.97B

#20 of 77 Top 24.7% in 3B-5B tier

Top Weaknesses (11 metrics)

Net Worth Ratio

risk

Value: 7.35%

Peer Median: 10.81%

#76 of 77 Bottom 2.6% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 0.11%

Peer Median: 0.94%

#74 of 77 Bottom 5.2% in 3B-5B tier

Deposit Growth Rate

growth

Value: -1.23%

Peer Median: 5.62%

#73 of 77 Bottom 6.5% in 3B-5B tier

Efficiency Ratio

profitability

Value: 83.76%

Peer Median: 68.32%

#72 of 77 Bottom 7.8% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 45.10%

Peer Median: 32.00%

#71 of 77 Bottom 9.1% in 3B-5B tier

Fee Income Per Member

profitability

Value: $93.32

Peer Median: $211.54

#70 of 77 Bottom 10.4% in 3B-5B tier

Asset Growth Rate

growth

Value: -0.88%

Peer Median: 5.91%

#70 of 77 Bottom 10.4% in 3B-5B tier

Loan Growth Rate

growth

Value: -1.25%

Peer Median: 6.20%

#68 of 77 Bottom 13.0% in 3B-5B tier

AMR Growth Rate

growth

Value: -2.51%

Peer Median: 3.17%

#67 of 77 Bottom 14.3% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 304.653

Peer Median: 390.144

#65 of 77 Bottom 16.9% in 3B-5B tier