BlastPoint's Credit Union Scorecard

CREDIT HUMAN

Charter #24382 · TX

Mid-Market 3B-5B
76 CUs in 3B-5B nationally 5 in TX
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CREDIT HUMAN has 4 strengths but faces 9 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 0.42% above tier average
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Total Loans: Top 1.3% in tier
  • + Loan-to-Share Ratio: Top 2.6% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 9.0% in tier
  • - Liquidity Strain: Bottom 17.0% in tier
  • - Indirect Auto Dependency: Bottom 73.3% in tier
  • - ROA 0.93% below tier average
  • - Efficiency ratio 20.49% above tier (higher cost structure)
  • - Delinquency rate 0.26% above tier average
  • - Net Worth Ratio: Bottom 2.6% in tier
  • - Share Certificate Concentration (%): Bottom 3.9% in tier
  • - Fee Income Per Member: Bottom 7.9% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 262,966
+3.8% YoY+1.2% QoQ
 +32.6K 230,353
-2.9% YoY
 27,007
+3.4% YoY
 33,374
+5.7% YoY
 71%
Assets $4.5B
+3.9% YoY+1.9% QoQ
 +$577.4M $3.9B
+0.3% YoY
 $418.5M
+7.2% YoY
 $561.6M
+9.7% YoY
 76%
Loans $4.1B
+3.7% YoY+1.8% QoQ
 +$1.1B $2.9B
-0.2% YoY
 $298.6M
+5.4% YoY
 $397.0M
+8.8% YoY
 Top 2.6% in tier
Deposits $3.8B
+5.6% YoY+2.4% QoQ
 +$448.4M $3.3B
-0.3% YoY
 $347.2M
+7.2% YoY
 $477.3M
+9.7% YoY
 80%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA -0.2%
-20.3% YoY-4.6% QoQ
 -0.9% 0.7%
+16.8% YoY
 0.6%
+2.3% YoY
 0.7%
+15.9% YoY
 Bottom 3.9% in tier
NIM 3.6%
+11.8% YoY+0.5% QoQ
 +0.4% 3.1%
+9.8% YoY
 3.9%
+3.4% YoY
 3.8%
+5.1% YoY
 72%
Efficiency Ratio 91.9%
-4.7% YoY+0.0% QoQ
 +20.5% 71.4%
-1.4% YoY
 80.2%
-0.8% YoY
 79.7%
-3.3% YoY
 Top 3.9% in tier
Delinquency Rate 1.1%
-29.0% YoY-1.5% QoQ
 +0.3 0.9%
+5.8% YoY
 1.3%
+11.4% YoY
 1.3%
-2.1% YoY
 78%
Loan To Share 108.5%
-1.8% YoY-0.6% QoQ
 +19.6% 88.9%
-0.2% YoY
 71.4%
-2.7% YoY
 67.4%
-1.7% YoY
 Top 3.9% in tier
AMR $29,812
+0.8% YoY+0.9% QoQ
 +$130 $29,682
+1.5% YoY
 $17,599
+2.5% YoY
 $19,687
+2.0% YoY
 58%
CD Concentration 48.4%
+0.1% YoY-1.8% QoQ
 +19.3% 29.0% 21.2% 19.8% Top 2.9% in tier
Indirect Auto % 30.2%
-14.1% YoY-6.9% QoQ
 +11.8% 18.3% 7.1% 7.8% 77%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Efficiency Drag

risk
#9 of 90 • Bottom 9.0% in tier

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

Why This Signature
Efficiency Ratio: 91.90%
(Tier: 73.53%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.06% points
(Tier: 0.12% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 3.76%
(Tier: 3.43%, National: 4.32%)
but better than tier avg
90 of 378 Mid-Market CUs have this signature | 633 nationally
↓ Shrinking -36 CUs YoY | Rank worsening

Liquidity Strain

risk
#29 of 166 • Bottom 17.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 108.54%
(Tier: 85.73%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 3.74%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
166 of 378 Mid-Market CUs have this signature | 439 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#144 of 196 • Bottom 73.3% in tier

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

Why This Signature
Asset Growth (YoY): 3.89%
(Tier: 6.83%, National: 3.54%)
worse than tier avg
Indirect Auto %: 30.16%
(Tier: 18.31%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 3.76%
(Tier: 3.43%, National: 4.32%)
but better than tier avg
196 of 378 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -11 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)

Comparing against 76 peers in tier

Top Strengths (5 metrics)

1
First Mortgage Concentration (%)
balance_sheet
Value: 7.07%
Peer Median: -
#1 of 76 Top 0.0% in 3B-5B tier
2
Total Loans
balance_sheet
Value: $4.08B
Peer Median: -
#2 of 76 Top 1.3% in 3B-5B tier
3
Loan-to-Share Ratio
balance_sheet
Value: 108.54%
Peer Median: -
#3 of 76 Top 2.6% in 3B-5B tier
15
Total Deposits
balance_sheet
Value: $3.76B
Peer Median: -
#15 of 76 Top 18.4% in 3B-5B tier
18
Total Assets
balance_sheet
Value: $4.52B
Peer Median: -
#18 of 76 Top 22.4% in 3B-5B tier

Top Weaknesses (8 metrics)

75
Net Worth Ratio
risk
Value: 7.12%
Peer Median: -
#75 of 76 Bottom 2.6% in 3B-5B tier
74
Efficiency Ratio
profitability
Value: 91.90%
Peer Median: -
#74 of 76 Bottom 3.9% in 3B-5B tier
74
Share Certificate Concentration (%)
balance_sheet
Value: 48.37%
Peer Median: -
#74 of 76 Bottom 3.9% in 3B-5B tier
73
Return on Assets (ROA)
profitability
Value: -0.22%
Peer Median: -
#73 of 76 Bottom 5.3% in 3B-5B tier
71
Fee Income Per Member
profitability
Value: $79.95
Peer Median: -
#71 of 76 Bottom 7.9% in 3B-5B tier
62
Members Per Employee (MPE)
engagement
Value: 304.711
Peer Median: -
#62 of 76 Bottom 19.7% in 3B-5B tier
60
Total Delinquency Rate (60+ days)
risk
Value: 1.13%
Peer Median: -
#60 of 76 Bottom 22.4% in 3B-5B tier
58
Indirect Auto Concentration (%)
balance_sheet
Value: 30.16%
Peer Median: -
#58 of 76 Bottom 25.0% in 3B-5B tier
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