BlastPoint's Credit Union Scorecard
TEXAS PLAINS
Charter #3828 · TX
TEXAS PLAINS has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + Net Interest Margin 0.56% above tier average
- + Strong member growth: 10.1% YoY
- + Total Members: Top 1.3% in tier
- + Asset Growth Rate: Top 2.6% in tier
- + Fee Income Per Member: Top 3.1% in tier
- + Member Growth Rate: Top 3.3% in tier
- + Total Loans: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,943
+10.1% YoY+0.2% QoQ
|
+7.3K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Top 1.3% in tier |
| Assets |
$73.2M
+14.9% YoY+3.9% QoQ
|
+$43.0M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Top 10.8% in tier |
| Loans |
$49.8M
+11.3% YoY-0.3% QoQ
|
+$34.5M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Top 5.0% in tier |
| Deposits |
$62.6M
+12.9% YoY+4.5% QoQ
|
+$36.8M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Top 10.9% in tier |
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| ROA |
0.3%
+382.2% YoY-38.2% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
37% |
| NIM |
4.6%
+5.3% YoY+5.5% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
78% |
| Efficiency Ratio |
86.0%
-7.7% YoY+1.1% QoQ
|
-4.7% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
60% |
| Delinquency Rate |
0.8%
+65.5% YoY-3.8% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
57% |
| Loan To Share |
79.5%
-1.4% YoY-4.6% QoQ
|
+21.0% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
81% |
| AMR |
$11,295
+1.9% YoY+2.1% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
35% |
| CD Concentration |
32.4%
+5.9% YoY-1.4% QoQ
|
+8.2% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)