BP

Charter #24445 | TX

100M-500M (1077 CUs) Micro
79 100M-500M in TX

BP has 3 strengths but faces 17 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan-to-Share Ratio: Top 1.5% in tier
  • + Loan-to-Member Ratio (LMR): Top 5.9% in tier

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 1.2% in tier
  • - Efficiency Drag: Bottom 6.3% in tier
  • - Accelerating Exit Risk: Bottom 6.9% in tier
  • - Credit Quality Pressure: Bottom 7.8% in tier
  • - Membership Headwinds: Bottom 11.6% in tier
  • - Liquidity Strain: Bottom 12.9% in tier
  • - Shrinking Wallet Share: Bottom 16.4% in tier
  • - Stagnation Risk: Bottom 20.2% in tier
  • - Institutional Decline: Bottom 24.3% in tier
  • - Liquidity Overhang: Bottom 30.1% in tier
  • - ROA 0.94% below tier average
  • - Efficiency ratio 20.51% above tier (higher cost structure)
  • - Member decline: -3.6% YoY
  • - Deposit Growth Rate: Bottom 1.9% in tier
  • - Asset Growth Rate: Bottom 1.9% in tier
  • - First Mortgage Concentration (%): Bottom 4.2% in tier
  • - Total Members: Bottom 7.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 6,499
-3.6% YoY-0.2% QoQ
 -9.1K 15,628
-3.4% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Bottom 7.4% in tier
Assets $123.0M
-6.8% YoY-1.9% QoQ
 $-108.3M $231.3M
-0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Bottom 15.0% in tier
Loans $111.5M
-2.7% YoY-1.1% QoQ
 $-36.3M $147.8M
-1.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 42nd in tier
Deposits $105.4M
-8.0% YoY-2.3% QoQ
 $-94.9M $200.3M
-0.0% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Bottom 14.5% in tier
ROA -0.1%
-517.4% YoY-30.3% QoQ
 -0.9% 0.8%
+15.5% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Bottom 5.1% in tier
NIM 3.0%
+20.6% YoY+6.7% QoQ
 -0.5% 3.6%
+6.9% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Bottom 20.8% in tier
Efficiency Ratio 97.8%
+2.2% YoY-1.4% QoQ
 +20.5% 77.3%
-3.0% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Top 3.3% in tier
Delinquency Rate 0.5%
+359.1% YoY+302.6% QoQ
 -0.4 0.9%
+7.6% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 37th in tier
Loan To Share 105.8%
+5.7% YoY+1.3% QoQ
 +33.1% 72.7%
-1.5% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 1.6% in tier
AMR $33,376
-1.8% YoY-1.5% QoQ
 +$9K $24,363
+2.9% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Top 11.0% in tier
CD Concentration 28.4%
-10.1% YoY-1.6% QoQ
 +4.0% 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 (0)

No strengths identified

Concerns (10)

Capital Constraint

risk
#2 of 18 • Bottom 1.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature
Loan-to-Share Ratio: 105.79%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -7.96%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 13.93%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
18 of 1077 Community CUs have this signature | 29 nationally
↓ Shrinking -33 CUs YoY | Rank improving

Efficiency Drag

risk
#113 of 521 • Bottom 6.3% in tier

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

Why This Signature
Efficiency Ratio: 97.79%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.19% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -3.59%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Accelerating Exit Risk

decline
#19 of 58 • Bottom 6.9% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -3.59%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -1.81%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
58 of 1077 Community CUs have this signature | 73 nationally
↓ Shrinking -89 CUs YoY | Rank improving

Credit Quality Pressure

risk
#194 of 736 • Bottom 7.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.39% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Membership Headwinds

decline
#192 of 550 • Bottom 11.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -3.59%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Liquidity Strain

risk
#101 of 258 • Bottom 12.9% in tier

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

Why This Signature
Loan-to-Share Ratio: 105.79%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -2.72%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#164 of 244 • Bottom 16.4% in tier

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

Why This Signature
AMR Growth (YoY): -1.81%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank worsening

Stagnation Risk

risk
#333 of 550 • Bottom 20.2% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -0.15%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -3.59%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $33.4K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 28.36%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline
#192 of 256 • Bottom 24.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $123.04M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -3.59%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.72%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Liquidity Overhang

risk
#467 of 552 • Bottom 30.1% 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: 13.93%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 105.79%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 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 1077 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
17
Loan-to-Share Ratio
balance_sheet
Value: 105.79%
Peer Avg: 72.70%
#17 of 1077 Top 1.5% in 100M-500M tier
65
Loan-to-Member Ratio (LMR)
engagement
Value: $17,158
Peer Avg: $10,245
#65 of 1077 Top 5.9% in 100M-500M tier
118
Average Member Relationship (AMR)
engagement
Value: $33,376
Peer Avg: $24,363
#118 of 1077 Top 10.9% in 100M-500M tier
239
Net Worth Ratio
risk
Value: 13.93%
Peer Avg: 12.15%
#239 of 1077 Top 22.1% in 100M-500M tier

Top Weaknesses (13 metrics)

1058
Deposit Growth Rate
growth
Value: -7.96%
Peer Avg: 4.69%
#1058 of 1077 Bottom 1.9% in 100M-500M tier
1057
Asset Growth Rate
growth
Value: -6.77%
Peer Avg: 4.70%
#1057 of 1077 Bottom 1.9% in 100M-500M tier
1042
Efficiency Ratio
profitability
Value: 97.79%
Peer Avg: 77.28%
#1042 of 1077 Bottom 3.3% in 100M-500M tier
1033
First Mortgage Concentration (%)
balance_sheet
Value: 63.77%
Peer Avg: 30.43%
#1033 of 1077 Bottom 4.2% in 100M-500M tier
1022
Return on Assets (ROA)
profitability
Value: -0.15%
Peer Avg: 0.79%
#1022 of 1077 Bottom 5.2% in 100M-500M tier
997
Total Members
engagement
Value: 6,499
Peer Avg: 15,628
#997 of 1077 Bottom 7.5% in 100M-500M tier
960
Fee Income Per Member
profitability
Value: $88.71
Peer Avg: $174.31
#960 of 1077 Bottom 11.0% in 100M-500M tier
945
AMR Growth Rate
growth
Value: -1.81%
Peer Avg: 3.64%
#945 of 1077 Bottom 12.3% in 100M-500M tier
921
Total Deposits
balance_sheet
Value: $105.40M
Peer Avg: $200.29M
#921 of 1077 Bottom 14.6% in 100M-500M tier
915
Total Assets
balance_sheet
Value: $123.04M
Peer Avg: $231.30M
#915 of 1077 Bottom 15.1% in 100M-500M tier