BlastPoint's Credit Union Scorecard

ASSOCIATED CREDIT UNION OF TEXAS

Charter #60608 · TX

Community 500M-750M

169 CUs in 500M-750M nationally 16 in TX

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ASSOCIATED CREDIT UNION OF TEXAS has 4 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 48.1% 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
- Credit Risk Growth: 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	69%
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	18%
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	54%
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	22%

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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	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	81%
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	22%
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	58%
Indirect Auto %	20.9% -6.9% YoY-1.6% QoQ	+6.9%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	72%

Signature Analysis

Strengths (1)

Profitability Leader

growth

#164 of 340 • Top 48.1% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.48%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.85% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

457 nationally

→ Stable (341→340 CUs) -1 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

1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

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: 3.65%, 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

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: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 0.37%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

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: 3.65%, 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)

Compare against:

Comparing against 169 peers in tier

Top Strengths (6 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.68%

Peer Avg: -

#1 of 169 Top 0.0% in 500M-750M tier

Fee Income Per Member

profitability

Value: $407.18

Peer Avg: -

#1 of 169 Top 0.0% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.48%

Peer Avg: -

#13 of 169 Top 7.1% in 500M-750M tier

Efficiency Ratio

profitability

Value: 67.16%

Peer Avg: -

#19 of 169 Top 10.7% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 17.64%

Peer Avg: -

#28 of 169 Top 16.0% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.11%

Peer Avg: -

#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: -

#168 of 169 Bottom 1.2% in 500M-750M tier

147

Total Delinquency Rate (60+ days)

risk

Value: 1.50%

Peer Avg: -

#147 of 169 Bottom 13.6% in 500M-750M tier

138

Total Assets

balance_sheet

Value: $543.68M

Peer Avg: -

#138 of 169 Bottom 18.9% in 500M-750M tier

132

Average Member Relationship (AMR)

engagement

Value: $21,014

Peer Avg: -

#132 of 169 Bottom 22.5% in 500M-750M tier

131

Total Deposits

balance_sheet

Value: $479.26M

Peer Avg: -

#131 of 169 Bottom 23.1% in 500M-750M tier