BlastPoint's Credit Union Scorecard
MARSHALL T & P EMPLOYEES
Charter #5686 · TX
MARSHALL T & P EMPLOYEES has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.49% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 2.7% in tier
- + Asset Growth Rate: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 2.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,412
+1.7% YoY-0.4% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
39% |
| Assets |
$16.2M
+14.2% YoY+0.7% QoQ
|
$-13.7M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
43% |
| Loans |
$10.6M
+0.4% YoY+1.4% QoQ
|
$-5.2M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
52% |
| Deposits |
$13.0M
+17.5% YoY+0.5% QoQ
|
$-12.5M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
42% |
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| ROA |
1.2%
-3.8% YoY+20.6% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
69% |
| NIM |
3.3%
-13.8% YoY+1.7% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
28% |
| Efficiency Ratio |
60.3%
-9.7% YoY-9.7% QoQ
|
-21.1% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.4% in tier |
| Delinquency Rate |
0.5%
-67.7% YoY-52.8% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
42% |
| Loan To Share |
81.6%
-14.5% YoY+0.9% QoQ
|
+20.4% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$16,685
+7.3% YoY+1.3% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
66% |
| CD Concentration |
51.4%
+22.7% YoY+2.2% QoQ
|
+27.0% |
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)