BlastPoint's Credit Union Scorecard
HIGHWAY DISTRICT 21
Charter #4148 · TX
HIGHWAY DISTRICT 21 has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.52% above tier average
- + Efficiency Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.5% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,352
-3.5% YoY-0.8% QoQ
|
+675 |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$51.0M
-0.2% YoY-1.0% QoQ
|
+$20.8M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
78% |
| Loans |
$21.5M
-9.2% YoY-4.4% QoQ
|
+$6.2M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
73% |
| Deposits |
$38.9M
-2.3% YoY-1.9% QoQ
|
+$13.1M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
74% |
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| ROA |
1.7%
-19.5% YoY-12.8% QoQ
|
+1.5% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Top 11.7% in tier |
| NIM |
3.4%
-2.6% YoY-3.7% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
32% |
| Efficiency Ratio |
54.8%
+22.1% YoY+10.3% QoQ
|
-35.8% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Top 7.5% in tier |
| Delinquency Rate |
0.8%
+31.4% YoY+227.6% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
58% |
| Loan To Share |
55.2%
-7.1% YoY-2.5% QoQ
|
-3.3% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
45% |
| AMR |
$18,021
-1.4% YoY-2.0% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
70% |
| CD Concentration |
25.3%
+12.7% YoY-0.8% QoQ
|
+1.1% | 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)