BlastPoint's Credit Union Scorecard
HIGHWAY DISTRICT 19 EMPLOYEES
Charter #60491 · TX
HIGHWAY DISTRICT 19 EMPLOYEES has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.37% above tier average
- + Loan-to-Share Ratio: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.47% below tier average
- - Efficiency ratio 16.09% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 6.7% in tier
- - Asset Growth Rate: Bottom 7.7% in tier
- - AMR Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,451
-2.0% YoY+0.1% QoQ
|
-1.2K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
40% |
| Assets |
$7.1M
-8.0% YoY-3.6% QoQ
|
$-23.1M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$5.2M
-10.5% YoY-7.7% QoQ
|
$-10.1M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
35% |
| Deposits |
$5.6M
-10.2% YoY-4.5% QoQ
|
$-20.2M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
25% |
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| ROA |
-0.3%
+360.4% YoY-154.7% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
15% |
| NIM |
4.4%
-9.0% YoY-15.5% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
73% |
| Efficiency Ratio |
106.7%
+5.3% YoY+19.4% QoQ
|
+16.1% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 11.4% in tier |
| Delinquency Rate |
0.7%
+64.6% YoY+3.6% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
52% |
| Loan To Share |
92.9%
-0.3% YoY-3.3% QoQ
|
+34.4% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 6.3% in tier |
| AMR |
$7,402
-8.6% YoY-6.2% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
16% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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)