BlastPoint's Credit Union Scorecard
CREDIT HUMAN
Charter #24382 · TX
CREDIT HUMAN has 4 strengths but faces 8 concerns
How does the industry compare?
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.66% above tier average
- + First Mortgage Concentration (%): Top 0.1% in tier
- + Total Loans: Top 1.3% in tier
- + Loan-to-Share Ratio: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2.1% in tier
- - Efficiency Drag: Bottom 18.0% in tier
- - Shrinking Wallet Share: Bottom 90.3% in tier
- - Deposit Outflow: Bottom 92.9% in tier
- - Indirect Auto Dependency: Bottom 93.7% in tier
- - ROA 0.59% below tier average
- - Efficiency ratio 11.19% above tier (higher cost structure)
- - Delinquency rate 0.32% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
263,451
+2.7% YoY+0.2% QoQ
|
+43.0K |
220,435
-7.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$4.4B
-1.7% YoY-3.0% QoQ
|
+$468.0M |
$3.9B
-1.5% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
73% |
| Loans |
$4.0B
+1.4% YoY-2.7% QoQ
|
+$1.1B |
$2.9B
-1.1% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Top 2.6% in tier |
| Deposits |
$3.6B
-1.8% YoY-3.6% QoQ
|
+$327.6M |
$3.3B
-2.5% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
67% |
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| ROA |
0.1%
-148.0% YoY-163.7% QoQ
|
-0.6% |
0.7%
+10.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.0% in tier |
| NIM |
3.9%
+13.6% YoY+8.4% QoQ
|
+0.7% |
3.2%
+4.6% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 14.1% in tier |
| Efficiency Ratio |
82.5%
-9.7% YoY-10.3% QoQ
|
+11.2% |
71.3%
-2.6% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 11.5% in tier |
| Delinquency Rate |
1.1%
-23.5% YoY-6.2% QoQ
|
+0.3 |
0.7%
+9.2% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
78% |
| Loan To Share |
109.5%
+3.2% YoY+0.9% QoQ
|
+21.5% |
88.0%
+0.9% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 5.1% in tier |
| AMR |
$28,827
-2.8% YoY-3.3% QoQ
|
$-2K |
$30,672
+5.5% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
50% |
| CD Concentration |
45.7%
-6.8% YoY-5.6% QoQ
|
+16.8% | 28.8% | 21.3% | 19.8% | Top 5.0% in tier |
| Indirect Auto % |
27.3%
-20.2% YoY-9.5% QoQ
|
+9.2% | 18.1% | 6.9% | 7.7% | 72% |
Signature Analysis
Strengths (0)
Concerns (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)