BlastPoint's Credit Union Scorecard
TEXAR
Charter #24567 · TX
TEXAR has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 25.2% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 5.1% in tier
- + Total Members: Top 8.3% in tier
- + AMR Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 28.9% in tier
- - Stagnation Risk: Bottom 62.0% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 0.29% above tier (higher cost structure)
- - Member decline: -4.4% YoY
- - Share Certificate Concentration (%): Bottom 1.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,356
-4.4% YoY-2.8% QoQ
|
+12.9K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 8.4% in tier |
| Assets |
$446.4M
+3.8% YoY+1.8% QoQ
|
+$214.6M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 5.1% in tier |
| Loans |
$256.4M
+5.8% YoY+4.0% QoQ
|
+$109.1M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 12.8% in tier |
| Deposits |
$333.3M
+5.4% YoY+0.4% QoQ
|
+$132.5M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 12.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+39.2% YoY+18.1% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
2.8%
+11.8% YoY+1.0% QoQ
|
-0.8% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.7% in tier |
| Efficiency Ratio |
77.3%
-6.1% YoY-2.7% QoQ
|
+0.3% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
51% |
| Delinquency Rate |
0.5%
-3.5% YoY+6.9% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
37% |
| Loan To Share |
76.9%
+0.4% YoY+3.6% QoQ
|
+4.7% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$20,797
+10.5% YoY+4.9% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
51.5%
+2.8% YoY-0.0% QoQ
|
+27.1% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)