BlastPoint's Credit Union Scorecard

HOUSTON TEXAS FIRE FIGHTERS

Charter #258 · TX

100M-500M

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

HOUSTON TEXAS FIRE FIGHTERS has 2 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

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier

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 ($340M in shares and deposits).
Membership: 17,804 members, +1.1% vs a year ago.
Delinquency rate 0.38%.
Return on assets 0.83%.
Efficiency ratio 76.57% vs a 76.73% peer average.
Loan-to-share ratio 49.73% 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	17,804 +1.1% YoY+0.4% QoQ	+2.6K	15,168 -2.6% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	69%
Assets	$401.3M -0.6% YoY+0.0% QoQ	+$169.3M	$232.0M +0.7% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	Top 10.8% in tier
Loans	$169.3M +1.2% YoY+0.9% QoQ	+$23.0M	$146.3M +0.2% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	68%
Deposits	$340.3M -1.7% YoY-0.4% QoQ	+$139.6M	$200.7M +0.2% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	Top 11.9% 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% +32.4% YoY+11.8% QoQ	+0.0%	0.9% +12.5% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	54%
NIM	2.9% -0.0% YoY+1.8% QoQ	-0.8%	3.7% +4.5% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	Bottom 10.1% in tier
Efficiency Ratio	76.6% -2.9% YoY-3.1% QoQ	-0.2%	76.7% -0.8% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	47%
Delinquency Rate	0.4% +16.6% YoY-13.9% QoQ	-0.5	0.9% +6.6% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	26%
Loan To Share	49.7% +3.0% YoY+1.3% QoQ	-21.8%	71.5% -0.3% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	Bottom 11.1% in tier
AMR	$28,623 -1.8% YoY-0.3% QoQ	+$4K	$25,107 +3.2% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	76%
CD Concentration	24.0% +14.8% YoY+2.0% QoQ	-0.6%	24.6%	21.6%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	6.9%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#248 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.11%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.83%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Organic Growth Leader

growth

#278 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.11%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Concerns (5)

Flatlined Growth

risk

#9 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): -0.58%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Return on Assets: 0.83%

(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

Deposit Outflow

decline

#44 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.72%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 1.11%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#138 of 223 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -1.84%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Credit Quality Pressure

risk

#576 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): 0.05% 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 worsening

Credit Risk Growth

risk

#454 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): 1.25%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.05% 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

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 (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

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

111

Total Assets

balance_sheet

Value: $401.29M

Peer Median: $196.38M

#111 of 1024 Top 10.7% in 100M-500M tier

122

Total Deposits

balance_sheet

Value: $340.34M

Peer Median: $170.77M

#122 of 1024 Top 11.8% in 100M-500M tier

149

Fee Income Per Member

profitability

Value: $238.84

Peer Median: $159.88

#149 of 1024 Top 14.5% in 100M-500M tier

244

Net Worth Ratio

risk

Value: 14.02%

Peer Median: 11.71%

#244 of 1024 Top 23.7% in 100M-500M tier

247

Average Member Relationship (AMR)

engagement

Value: $28,623

Peer Median: $23,006

#247 of 1024 Top 24.0% in 100M-500M tier

Top Weaknesses (5 metrics)

921

Net Interest Margin (NIM)

profitability

Value: 2.89%

Peer Median: 3.67%

#921 of 1024 Bottom 10.2% in 100M-500M tier

914

AMR Growth Rate

growth

Value: -1.84%

Peer Median: 3.53%

#914 of 1024 Bottom 10.8% in 100M-500M tier

910

Loan-to-Share Ratio

balance_sheet

Value: 49.73%

Peer Median: 73.07%

#910 of 1024 Bottom 11.2% in 100M-500M tier

909

Deposit Growth Rate

growth

Value: -1.72%

Peer Median: 3.58%

#909 of 1024 Bottom 11.3% in 100M-500M tier

881

Asset Growth Rate

growth

Value: -0.58%

Peer Median: 4.12%

#881 of 1024 Bottom 14.1% in 100M-500M tier