BlastPoint's Credit Union Scorecard

TARRANT COUNTY'S CREDIT UNION

Charter #60051 · TX

1069 CUs in 100M-500M nationally 79 in TX

TARRANT COUNTY'S CREDIT UNION has 1 strength but faces 9 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.73% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 53.7% in tier
- Efficiency Drag: Bottom 74.9% in tier
- Institutional Decline: Bottom 90.8% in tier
- Membership Headwinds: Bottom 98.4% in tier
- ROA 0.74% below tier average
- Efficiency ratio 5.09% above tier (higher cost structure)
- Delinquency rate 0.24% above tier average
- Net Charge-Off Rate: Bottom 2.9% in tier
- Loan Growth Rate: Bottom 9.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	11,218 -0.6% YoY+0.1% QoQ	-4.2K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	37%
Assets	$122.5M +4.0% YoY+0.7% QoQ	$-109.3M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	15%
Loans	$91.3M -5.8% YoY-4.1% QoQ	$-56.0M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	30%
Deposits	$109.0M +4.4% YoY+0.6% QoQ	$-91.8M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	17%

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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	0.0% -96.6% YoY-73.5% QoQ	-0.7%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	Bottom 6.9% in tier
NIM	5.3% -0.1% YoY+0.7% QoQ	+1.7%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	Top 1.3% in tier
Efficiency Ratio	82.1% +2.5% YoY-1.5% QoQ	+5.1%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	68%
Delinquency Rate	1.1% -49.0% YoY-27.7% QoQ	+0.2	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	76%
Loan To Share	83.8% -9.7% YoY-4.7% QoQ	+11.6%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	72%
AMR	$17,856 +0.1% YoY-1.7% QoQ	$-7K	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	21%
CD Concentration	21.9% +9.3% YoY+5.2% QoQ	-2.5%	24.4%	21.2%	19.8%	50%
Indirect Auto %	3.3% -23.1% YoY-8.2% QoQ	-10.5%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Stagnation Risk

risk

#298 of 554 • Bottom 53.7% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.56%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -5.75%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.13%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#403 of 538 • Bottom 74.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.11%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.71% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -0.56%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Institutional Decline

decline

#218 of 240 • Bottom 90.8% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $122.54M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -0.56%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -5.75%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Membership Headwinds

decline

#545 of 554 • Bottom 98.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.56%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (2 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.34%

Peer Median: -

#14 of 1069 Top 1.2% in 100M-500M tier

240

Fee Income Per Member

profitability

Value: $222.66

Peer Median: -

#240 of 1069 Top 22.4% in 100M-500M tier

Top Weaknesses (8 metrics)

1039

Net Charge-Off Rate

risk

Value: 1.71%

Peer Median: -

#1039 of 1069 Bottom 2.9% in 100M-500M tier

995

Return on Assets (ROA)

profitability

Value: 0.02%

Peer Median: -

#995 of 1069 Bottom 7.0% in 100M-500M tier

971

Loan Growth Rate

growth

Value: -5.75%

Peer Median: -

#971 of 1069 Bottom 9.3% in 100M-500M tier

908

Total Assets

balance_sheet

Value: $122.54M

Peer Median: -

#908 of 1069 Bottom 15.2% in 100M-500M tier

887

Total Deposits

balance_sheet

Value: $108.98M

Peer Median: -

#887 of 1069 Bottom 17.1% in 100M-500M tier

862

AMR Growth Rate

growth

Value: 0.07%

Peer Median: -

#862 of 1069 Bottom 19.5% in 100M-500M tier

849

Average Member Relationship (AMR)

engagement

Value: $17,856

Peer Median: -

#849 of 1069 Bottom 20.7% in 100M-500M tier

811

Total Delinquency Rate (60+ days)

risk

Value: 1.13%

Peer Median: -

#811 of 1069 Bottom 24.2% in 100M-500M tier