ASSOCIATED CREDIT UNION OF TEXAS

Charter #60608 | TX

500M-750M (169 CUs) Community (281 CUs)
16 500M-750M in TX

ASSOCIATED CREDIT UNION OF TEXAS has 5 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 21.0% in tier
  • + Relationship Depth Leader: Top 21.9% in tier
  • + ROA 0.82% above tier average
  • + Net Interest Margin 2.26% above tier average
  • + Fee Income Per Member: Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 14.6% in tier
  • - Growth-at-Risk: Bottom 19.6% in tier
  • - Indirect Auto Dependency: Bottom 20.3% in tier
  • - Liquidity Strain: Bottom 22.5% in tier
  • - Delinquency rate 0.70% above tier average
  • - Net Charge-Off Rate: Bottom 1.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 44,043
+0.4% YoY+0.8% QoQ
 +4.3K 39,752
-2.7% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 69th in tier
Assets $543.7M
+5.3% YoY+2.9% QoQ
 $-78.7M $622.4M
+0.3% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Bottom 18.3% in tier
Loans $446.3M
+3.8% YoY+1.7% QoQ
 +$10.3M $435.9M
-0.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 54th in tier
Deposits $479.3M
+4.9% YoY+2.7% QoQ
 $-58.8M $538.0M
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Bottom 22.5% in tier
ROA 1.5%
+136.4% YoY-2.1% QoQ
 +0.8% 0.7%
+33.9% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Top 7.7% in tier
NIM 5.7%
+10.9% YoY-0.4% QoQ
 +2.3% 3.4%
+8.6% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Top 0.6% in tier
Efficiency Ratio 67.2%
-4.6% YoY-0.3% QoQ
 -10.9% 78.1%
-3.4% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Bottom 10.7% in tier
Delinquency Rate 1.5%
+15.2% YoY+11.0% QoQ
 +0.7 0.8%
-4.9% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Top 13.6% in tier
Loan To Share 93.1%
-1.1% YoY-0.9% QoQ
 +12.1% 81.0%
-1.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 18.9% in tier
AMR $21,014
+4.0% YoY+1.4% QoQ
 $-5K $26,482
+2.6% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 21.9% in tier
CD Concentration 26.6%
+17.0% YoY+7.0% QoQ
 +2.2% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 58th in tier
Indirect Auto % 20.9%
-6.9% YoY-1.6% QoQ
 +6.9% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 72nd in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#579 of 1006 • Top 21.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.98%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#605 of 1006 • Top 21.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.98%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Credit Quality Pressure

risk
#361 of 736 • Bottom 14.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.20% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Growth-at-Risk

risk
#294 of 446 • Bottom 19.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 3.78%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.20% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#327 of 525 • Bottom 20.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.34%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 20.87%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.37%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Strain

risk
#175 of 258 • Bottom 22.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.11%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 3.78%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

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)

Comparing against 169 peers in tier

Top Strengths (6 metrics)

1
Net Interest Margin (NIM)
profitability
Value: 5.68%
Peer Avg: 3.43%
#1 of 169 Top 0.0% in 500M-750M tier
1
Fee Income Per Member
profitability
Value: $407.18
Peer Avg: $199.27
#1 of 169 Top 0.0% in 500M-750M tier
13
Return on Assets (ROA)
profitability
Value: 1.48%
Peer Avg: 0.66%
#13 of 169 Top 7.1% in 500M-750M tier
19
Efficiency Ratio
profitability
Value: 67.16%
Peer Avg: 78.10%
#19 of 169 Top 10.7% in 500M-750M tier
28
First Mortgage Concentration (%)
balance_sheet
Value: 17.64%
Peer Avg: 33.53%
#28 of 169 Top 16.0% in 500M-750M tier
32
Loan-to-Share Ratio
balance_sheet
Value: 93.11%
Peer Avg: 81.02%
#32 of 169 Top 18.3% in 500M-750M tier

Top Weaknesses (5 metrics)

168
Net Charge-Off Rate
risk
Value: 2.17%
Peer Avg: 0.51%
#168 of 169 Bottom 1.2% in 500M-750M tier
147
Total Delinquency Rate (60+ days)
risk
Value: 1.50%
Peer Avg: 0.80%
#147 of 169 Bottom 13.6% in 500M-750M tier
138
Total Assets
balance_sheet
Value: $543.68M
Peer Avg: $622.38M
#138 of 169 Bottom 18.9% in 500M-750M tier
132
Average Member Relationship (AMR)
engagement
Value: $21,014
Peer Avg: $26,482
#132 of 169 Bottom 22.5% in 500M-750M tier
131
Total Deposits
balance_sheet
Value: $479.26M
Peer Avg: $538.02M
#131 of 169 Bottom 23.1% in 500M-750M tier