BlastPoint's Credit Union Scorecard
ASSOCIATED CREDIT UNION OF TEXAS
Charter #60608 · TX
ASSOCIATED CREDIT UNION OF TEXAS has 7 strengths but faces 4 concerns
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 59.6% in tier
- + Organic Growth Engine: Top 66.7% in tier
- + Organic Growth Leader: Top 80.9% in tier
- + ROA 0.49% above tier average
- + Net Interest Margin 2.08% above tier average
- + Fee Income Per Member: Top 0.6% in tier
- + Deposit Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 40.2% in tier
- - Liquidity Strain: Bottom 87.7% in tier
- - Delinquency rate 0.37% above tier average
- - Net Charge-Off Rate: Bottom 1.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,120
+1.1% YoY+0.2% QoQ
|
+5.5K |
38,575
-4.8% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$570.6M
+11.3% YoY+5.0% QoQ
|
$-51.1M |
$621.7M
+0.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$456.6M
+5.3% YoY+2.3% QoQ
|
+$26.8M |
$429.8M
-1.8% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
59% |
| Deposits |
$503.0M
+11.2% YoY+5.0% QoQ
|
$-35.7M |
$538.7M
+0.6% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
1.2%
+81.2% YoY-22.1% QoQ
|
+0.5% |
0.7%
+42.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
5.5%
+3.1% YoY-2.9% QoQ
|
+2.1% |
3.4%
+8.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 1.2% in tier |
| Efficiency Ratio |
68.6%
-3.3% YoY+2.1% QoQ
|
-8.9% |
77.5%
-4.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.5% in tier |
| Delinquency Rate |
1.2%
-6.5% YoY-18.9% QoQ
|
+0.4 |
0.8%
-1.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
90.8%
-5.3% YoY-2.5% QoQ
|
+10.9% |
79.8%
-2.3% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$21,751
+7.1% YoY+3.5% QoQ
|
$-5K |
$26,849
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration |
28.9%
+26.6% YoY+8.8% QoQ
|
+4.5% | 24.4% | 21.2% | 19.8% | 67% |
| Indirect Auto % |
20.0%
-7.7% YoY-4.3% QoQ
|
+6.2% | 13.8% | 7.1% | 7.8% | 72% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)