BlastPoint's Credit Union Scorecard
HIGHWAY DISTRICT 21
Charter #4148 · TX
HIGHWAY DISTRICT 21 has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.37% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.0% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,410
-3.0% YoY-0.7% QoQ
|
+784 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$51.7M
+0.7% YoY+0.4% QoQ
|
+$21.8M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
78% |
| Loans |
$23.1M
-6.1% YoY-0.4% QoQ
|
+$7.3M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
74% |
| Deposits |
$40.1M
-1.7% YoY+0.0% QoQ
|
+$14.6M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
2.1%
+22.5% YoY-1.6% QoQ
|
+1.4% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 8.4% in tier |
| NIM |
3.5%
+15.8% YoY+0.7% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
48.2%
+2.1% YoY+8.2% QoQ
|
-33.2% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.5% in tier |
| Delinquency Rate |
0.4%
-22.3% YoY+5.8% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
36% |
| Loan To Share |
57.7%
-4.5% YoY-0.4% QoQ
|
-3.6% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
45% |
| AMR |
$18,527
-0.4% YoY+0.6% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
27.0%
+19.9% YoY+7.9% QoQ
|
+2.6% |
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)