BlastPoint's Credit Union Scorecard
TEXAS PLAINS
Charter #3828 · TX
TEXAS PLAINS has 10 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.55% above tier average
- + Strong member growth: 9.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 1.3% in tier
- + Asset Growth Rate: Top 1.4% in tier
- + Deposit Growth Rate: Top 2.0% in tier
- + Member Growth Rate: Top 3.5% in tier
- + Fee Income Per Member: Top 4.4% in tier
- + Total Loans: Top 6.0% in tier
- + Loan Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Efficiency ratio 7.10% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,882
+9.7% YoY+8.6% QoQ
|
+7.3K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 1.3% in tier |
| Assets |
$71.7M
+21.6% YoY+14.6% QoQ
|
+$41.8M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 11.6% in tier |
| Loans |
$48.9M
+11.1% YoY+7.8% QoQ
|
+$33.1M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 6.0% in tier |
| Deposits |
$61.2M
+20.9% YoY+13.6% QoQ
|
+$35.8M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Top 11.4% in tier |
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| ROA |
0.2%
-76.8% YoY+232.0% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
23% |
| NIM |
4.5%
-0.4% YoY+0.8% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
72% |
| Efficiency Ratio |
88.5%
+3.7% YoY-1.8% QoQ
|
+7.1% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.5%
+238.7% YoY+41.6% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
79.9%
-8.1% YoY-5.0% QoQ
|
+18.6% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
77% |
| AMR |
$11,141
+6.1% YoY+2.2% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
35% |
| CD Concentration |
32.6%
+29.4% YoY+2.1% QoQ
|
+8.2% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)