BlastPoint's Credit Union Scorecard

TEXAR

Charter #24567 · TX

100M-500M

1024 CUs in 100M-500M nationally 74 in TX

TEXAR has 3 strengths but faces 8 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 5.8% in tier
+ Total Members: Top 8.1% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Flatlined Growth: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- ROA 0.07% below tier average
- Member decline: -4.7% YoY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
Shares and deposits +1.7% year over year ($335M in shares and deposits).
Membership: 27,979 members, -4.7% vs a year ago.
Delinquency rate 0.72%.
Return on assets 0.79%.
Efficiency ratio 74.38% vs a 76.73% peer average.
Loan-to-share ratio 76.45% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	27,979 -4.7% YoY-0.5% QoQ	+12.8K	15,168 -2.6% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	Top 8.2% in tier
Assets	$440.5M +1.0% YoY-0.9% QoQ	+$208.5M	$232.0M +0.7% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	Top 5.9% in tier
Loans	$256.4M +4.5% YoY-1.3% QoQ	+$110.1M	$146.3M +0.2% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	Top 12.0% in tier
Deposits	$335.3M +1.7% YoY-0.1% QoQ	+$134.6M	$200.7M +0.2% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	Top 13.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% +105.3% YoY+15.1% QoQ	-0.1%	0.9% +12.5% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	52%
NIM	3.0% +12.7% YoY+2.3% QoQ	-0.7%	3.7% +4.5% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	Bottom 14.8% in tier
Efficiency Ratio	74.4% -9.3% YoY-0.6% QoQ	-2.4%	76.7% -0.8% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	39%
Delinquency Rate	0.7% +26.3% YoY+39.9% QoQ	-0.2	0.9% +6.6% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	51%
Loan To Share	76.5% +2.8% YoY-1.2% QoQ	+4.9%	71.5% -0.3% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	56%
AMR	$21,147 +8.0% YoY-0.1% QoQ	$-4K	$25,107 +3.2% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	38%
CD Concentration	48.7% -6.2% YoY-3.2% QoQ	+24.2%	24.6%	21.6%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	6.9%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#212 of 483 • 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): 7.96%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (6)

Membership Headwinds

decline

#144 of 549 • 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): -4.65%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Flatlined Growth

risk

#16 of 42 • Bottom 50.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 0.95%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Return on Assets: 0.79%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

42 of 1024 Mid-Small & Community CUs have this signature | 57 nationally

→ Stable (46→42 CUs) -4 CUs YoY | New qualifier

Stagnation Risk

risk

#260 of 549 • 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): -4.65%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 4.55%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.72%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Credit Quality Pressure

risk

#403 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Credit Risk Growth

risk

#318 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.55%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Liquidity Overhang

risk

#111 of 130 • 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: 16.42%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 76.45%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 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 1024 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Total Assets

balance_sheet

Value: $440.51M

Peer Median: $196.38M

#60 of 1024 Top 5.8% in 100M-500M tier

Total Members

engagement

Value: 27,979

Peer Median: 13,128

#84 of 1024 Top 8.1% in 100M-500M tier

106

Net Worth Ratio

risk

Value: 16.42%

Peer Median: 11.71%

#106 of 1024 Top 10.3% in 100M-500M tier

123

Total Loans

balance_sheet

Value: $256.36M

Peer Median: $124.04M

#123 of 1024 Top 11.9% in 100M-500M tier

133

Total Deposits

balance_sheet

Value: $335.31M

Peer Median: $170.77M

#133 of 1024 Top 12.9% in 100M-500M tier

164

AMR Growth Rate

growth

Value: 7.96%

Peer Median: 3.53%

#164 of 1024 Top 15.9% in 100M-500M tier

165

Members Per Employee (MPE)

engagement

Value: 417.597

Peer Median: 310.924

#165 of 1024 Top 16.0% in 100M-500M tier

Top Weaknesses (4 metrics)

1001

Share Certificate Concentration (%)

balance_sheet

Value: 48.72%

Peer Median: 23.39%

#1001 of 1024 Bottom 2.3% in 100M-500M tier

907

Member Growth Rate

growth

Value: -4.65%

Peer Median: -0.03%

#907 of 1024 Bottom 11.5% in 100M-500M tier

872

Net Interest Margin (NIM)

profitability

Value: 3.03%

Peer Median: 3.67%

#872 of 1024 Bottom 14.9% in 100M-500M tier

781

Asset Growth Rate

growth

Value: 0.95%

Peer Median: 4.12%

#781 of 1024 Bottom 23.8% in 100M-500M tier