CREDIT HUMAN

Charter #24382 | TX

3B-5B (76 CUs) Mid-Market (380 CUs)
6 3B-5B in TX

CREDIT HUMAN has 4 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.34% above tier average
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Loan-to-Share Ratio: Top 3.9% in tier
  • + Total Loans: Top 5.3% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 1.5% in tier
  • - Liquidity Strain: Bottom 8.2% in tier
  • - Shrinking Wallet Share: Bottom 15.2% in tier
  • - Indirect Auto Dependency: Bottom 25.0% in tier
  • - ROA 0.97% below tier average
  • - Efficiency ratio 20.62% above tier (higher cost structure)
  • - Delinquency rate 0.30% above tier average
  • - Net Worth Ratio: Bottom 1.3% in tier
  • - Share Certificate Concentration (%): Bottom 2.6% in tier
  • - Fee Income Per Member: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 259,848
+3.6% YoY+1.5% QoQ
 +21.4K 238,465
+0.6% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 66th in tier
Assets $4.4B
+0.4% YoY+1.2% QoQ
 +$461.5M $4.0B
-0.1% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 71st in tier
Loans $4.0B
+1.9% YoY+2.0% QoQ
 +$990.3M $3.0B
+3.3% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Top 6.6% in tier
Deposits $3.7B
+0.2% YoY+1.0% QoQ
 +$338.8M $3.3B
+1.1% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Top 22.4% in tier
ROA -0.2%
-3.9% YoY-28.7% QoQ
 -1.0% 0.7%
+5.3% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Bottom 5.3% in tier
NIM 3.5%
+13.6% YoY+2.0% QoQ
 +0.3% 3.2%
+13.7% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 64th in tier
Efficiency Ratio 91.9%
-4.9% YoY-1.1% QoQ
 +20.6% 71.3%
-0.6% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Top 3.9% in tier
Delinquency Rate 1.1%
-18.4% YoY-15.6% QoQ
 +0.3 0.8%
+15.9% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Top 19.7% in tier
Loan To Share 109.2%
+1.8% YoY+1.0% QoQ
 +18.3% 90.8%
+2.0% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 5.3% in tier
AMR $29,560
-2.4% YoY+0.0% QoQ
 +$473 $29,088
+0.1% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 59th in tier
CD Concentration 49.2%
-3.0% YoY+0.6% QoQ
 +20.3% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 Top 2.1% in tier
Indirect Auto % 32.4%
-10.6% YoY-2.7% QoQ
 +13.6% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Top 21.1% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk
#6 of 96 • Bottom 1.5% in tier

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

Why This Signature
Efficiency Ratio: 91.88%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.01% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 3.58%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank worsening

Liquidity Strain

risk
#44 of 183 • Bottom 8.2% in tier

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

Why This Signature
Loan-to-Share Ratio: 109.19%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 1.92%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#47 of 83 • Bottom 15.2% in tier

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

Why This Signature
AMR Growth (YoY): -2.42%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#155 of 202 • Bottom 25.0% in tier

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

Why This Signature
Asset Growth (YoY): 0.40%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 32.41%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.58%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 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 (4 metrics)

1
First Mortgage Concentration (%)
balance_sheet
Value: 7.07%
Peer Avg: 34.35%
#1 of 76 Top 0.0% in 3B-5B tier
4
Loan-to-Share Ratio
balance_sheet
Value: 109.19%
Peer Avg: 90.85%
#4 of 76 Top 3.9% in 3B-5B tier
5
Total Loans
balance_sheet
Value: $4.01B
Peer Avg: $3.02B
#5 of 76 Top 5.3% in 3B-5B tier
17
Total Deposits
balance_sheet
Value: $3.67B
Peer Avg: $3.33B
#17 of 76 Top 21.1% in 3B-5B tier

Top Weaknesses (12 metrics)

76
Net Worth Ratio
risk
Value: 7.38%
Peer Avg: 10.75%
#76 of 76 Bottom 1.3% in 3B-5B tier
75
Share Certificate Concentration (%)
balance_sheet
Value: 49.23%
Peer Avg: 30.70%
#75 of 76 Bottom 2.6% in 3B-5B tier
74
Efficiency Ratio
profitability
Value: 91.88%
Peer Avg: 71.26%
#74 of 76 Bottom 3.9% in 3B-5B tier
72
Return on Assets (ROA)
profitability
Value: -0.23%
Peer Avg: 0.75%
#72 of 76 Bottom 6.6% in 3B-5B tier
71
Fee Income Per Member
profitability
Value: $82.04
Peer Avg: $191.96
#71 of 76 Bottom 7.9% in 3B-5B tier
64
Deposit Growth Rate
growth
Value: 0.15%
Peer Avg: 8.84%
#64 of 76 Bottom 17.1% in 3B-5B tier
64
Members Per Employee (MPE)
engagement
Value: 303.561
Peer Avg: 433.941
#64 of 76 Bottom 17.1% in 3B-5B tier
63
Asset Growth Rate
growth
Value: 0.40%
Peer Avg: 7.42%
#63 of 76 Bottom 18.4% in 3B-5B tier
62
AMR Growth Rate
growth
Value: -2.42%
Peer Avg: 2.07%
#62 of 76 Bottom 19.7% in 3B-5B tier
62
Total Delinquency Rate (60+ days)
risk
Value: 1.15%
Peer Avg: 0.84%
#62 of 76 Bottom 19.7% in 3B-5B tier