BlastPoint's Credit Union Scorecard

TEXARKANA TERMINAL EMPLOYEES

Charter #5822 · TX

<100M

2508 CUs in <100M nationally 237 in TX

TEXARKANA TERMINAL EMPLOYEES demonstrates 2 strengths

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 0.61% above tier average
+ Net Interest Margin 2.04% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	1,271 -0.7% YoY0% QoQ	-1.4K	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	35%
Assets	$10.8M -4.9% YoY+4.3% QoQ	$-19.3M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	33%
Loans	$7.3M -3.6% YoY-1.5% QoQ	$-8.0M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	44%
Deposits	$9.7M -5.6% YoY+3.6% QoQ	$-16.1M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	35%

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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	0.8% +60.6% YoY-0.7% QoQ	+0.6%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	58%
NIM	6.0% +14.2% YoY-3.5% QoQ	+2.0%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Top 3.7% in tier
Efficiency Ratio	88.8% -3.9% YoY-0.5% QoQ	-1.9%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	66%
Delinquency Rate	0.1% -74.7% YoY-83.6% QoQ	-1.4	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	23%
Loan To Share	75.3% +2.1% YoY-4.9% QoQ	+16.7%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	75%
AMR	$13,419 -4.1% YoY+1.4% QoQ	$-1K	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	47%
CD Concentration	23.4% -32.9% YoY-1.2% QoQ	-0.9%	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 (6 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

Net Interest Margin (NIM)

profitability

Value: 6.05%

Peer Median: 3.83%

#93 of 2508 Top 3.7% in <100M tier

283

Net Charge-Off Rate

risk

Value: -0.07%

Peer Median: 0.07%

#283 of 2508 Top 11.2% in <100M tier

586

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Median: 0.65%

#586 of 2508 Top 23.3% in <100M tier

628

Loan-to-Share Ratio

balance_sheet

Value: 75.26%

Peer Median: 58.72%

#628 of 2508 Top 25.0% in <100M tier

Top Weaknesses (4 metrics)

2151

Asset Growth Rate

growth

Value: -4.90%

Peer Median: 1.30%

#2151 of 2508 Bottom 14.3% in <100M tier

2123

Net Worth Ratio

risk

Value: 9.74%

Peer Median: 14.28%

#2123 of 2508 Bottom 15.4% in <100M tier

2111

Deposit Growth Rate

growth

Value: -5.57%

Peer Median: 0.66%

#2111 of 2508 Bottom 15.9% in <100M tier

1995

AMR Growth Rate

growth

Value: -4.06%

Peer Median: 1.27%

#1995 of 2508 Bottom 20.5% in <100M tier