BlastPoint's Credit Union Scorecard

MARSHALL T & P EMPLOYEES

Charter #5686 · TX

<100M

2508 CUs in <100M nationally 237 in TX

MARSHALL T & P EMPLOYEES has 1 strength but faces 1 concern

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.85% above tier average

Key Concerns

Areas that may need attention

- Share Certificate Concentration (%): Bottom 3.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	1,412 +0.9% YoY-0.2% QoQ	-1.3K	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	39%
Assets	$17.1M +7.1% YoY+3.3% QoQ	$-13.1M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	44%
Loans	$10.6M +0.8% YoY+1.3% QoQ	$-4.7M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	53%
Deposits	$13.9M +8.2% YoY+3.9% QoQ	$-11.9M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	43%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +5.9% YoY+107.7% QoQ	+0.8%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	69%
NIM	3.3% +1.3% YoY+25.7% QoQ	-0.7%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	27%
Efficiency Ratio	61.9% -9.9% YoY-19.6% QoQ	-28.8%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Top 14.2% in tier
Delinquency Rate	1.0% +8.7% YoY+104.8% QoQ	-0.5	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	64%
Loan To Share	75.7% -6.9% YoY-2.4% QoQ	+17.2%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	76%
AMR	$17,340 +3.9% YoY+3.0% QoQ	+$2K	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	67%
CD Concentration	51.3% +8.3% YoY-1.1% QoQ	+27.0%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

304

Deposit Growth Rate

growth

Value: 8.21%

Peer Median: 0.66%

#304 of 2508 Top 12.1% in <100M tier

357

Efficiency Ratio

profitability

Value: 61.88%

Peer Median: 81.45%

#357 of 2508 Top 14.2% in <100M tier

365

Asset Growth Rate

growth

Value: 7.09%

Peer Median: 1.30%

#365 of 2508 Top 14.5% in <100M tier

451

Members Per Employee (MPE)

engagement

Value: 470.667

Peer Median: 333.750

#451 of 2508 Top 17.9% in <100M tier

524

Loan-to-Member Ratio (LMR)

engagement

Value: $7,473

Peer Median: $4,923

#524 of 2508 Top 20.9% in <100M tier

601

Member Growth Rate

growth

Value: 0.93%

Peer Median: -1.37%

#601 of 2508 Top 23.9% in <100M tier

604

Loan-to-Share Ratio

balance_sheet

Value: 75.73%

Peer Median: 58.72%

#604 of 2508 Top 24.0% in <100M tier

Top Weaknesses (3 metrics)

2429

Share Certificate Concentration (%)

balance_sheet

Value: 51.27%

Peer Median: 12.45%

#2429 of 2508 Bottom 3.2% in <100M tier

2153

Net Charge-Off Rate

risk

Value: 0.98%

Peer Median: 0.07%

#2153 of 2508 Bottom 14.2% in <100M tier

1942

Fee Income Per Member

profitability

Value: $13.23

Peer Median: $60.42

#1942 of 2508 Bottom 22.6% in <100M tier