BlastPoint's Credit Union Scorecard

TEXAR

Charter #24567 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

TEXAR has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Total Assets: Top 5.1% in tier
+ Total Members: Top 7.9% in tier
+ AMR Growth Rate: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Member decline: -4.7% YoY
- Share Certificate Concentration (%): Bottom 1.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	28,131 -4.7% YoY-0.8% QoQ	+13.0K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Top 7.9% in tier
Assets	$444.7M +1.4% YoY-0.4% QoQ	+$213.0M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Top 5.2% in tier
Loans	$259.7M +9.0% YoY+1.3% QoQ	+$115.5M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Top 11.0% in tier
Deposits	$335.6M +1.7% YoY+0.7% QoQ	+$134.4M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Top 12.5% in tier

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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	0.7% +209.7% YoY+35.1% QoQ	+0.0%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	49%
NIM	3.0% +12.5% YoY+7.2% QoQ	-0.7%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Bottom 14.7% in tier
Efficiency Ratio	74.8% -11.4% YoY-3.2% QoQ	-3.2%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	37%
Delinquency Rate	0.5% -3.7% YoY-6.9% QoQ	-0.3	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	42%
Loan To Share	77.4% +7.2% YoY+0.6% QoQ	+7.0%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	61%
AMR	$21,160 +10.0% YoY+1.7% QoQ	$-4K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	39%
CD Concentration	50.3% -0.7% YoY-2.2% QoQ	+26.1%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#123 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.98%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (3)

Membership Headwinds

decline

#140 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -4.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#349 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 9.03%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.51%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Liquidity Overhang

risk

#119 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.04%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 77.38%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Total Assets

balance_sheet

Value: $444.68M

Peer Median: $196.57M

#56 of 1070 Top 5.1% in 100M-500M tier

Total Members

engagement

Value: 28,131

Peer Median: 13,200

#85 of 1070 Top 7.9% in 100M-500M tier

AMR Growth Rate

growth

Value: 9.98%

Peer Median: 3.46%

#99 of 1070 Top 9.2% in 100M-500M tier

117

Net Worth Ratio

risk

Value: 16.04%

Peer Median: 11.45%

#117 of 1070 Top 10.8% in 100M-500M tier

118

Total Loans

balance_sheet

Value: $259.68M

Peer Median: $121.41M

#118 of 1070 Top 10.9% in 100M-500M tier

134

Total Deposits

balance_sheet

Value: $335.58M

Peer Median: $171.29M

#134 of 1070 Top 12.4% in 100M-500M tier

188

Members Per Employee (MPE)

engagement

Value: 413.691

Peer Median: 309.176

#188 of 1070 Top 17.5% in 100M-500M tier

220

Loan Growth Rate

growth

Value: 9.03%

Peer Median: 2.93%

#220 of 1070 Top 20.5% in 100M-500M tier

Top Weaknesses (3 metrics)

1057

Share Certificate Concentration (%)

balance_sheet

Value: 50.33%

Peer Median: 23.10%

#1057 of 1070 Bottom 1.3% in 100M-500M tier

952

Member Growth Rate

growth

Value: -4.75%

Peer Median: -0.06%

#952 of 1070 Bottom 11.1% in 100M-500M tier

913

Net Interest Margin (NIM)

profitability

Value: 2.97%

Peer Median: 3.62%

#913 of 1070 Bottom 14.8% in 100M-500M tier