BlastPoint's Credit Union Scorecard

ASSOCIATED CREDIT UNION OF TEXAS

Charter #60608 · TX

Community 500M-750M

167 CUs in 500M-750M nationally 14 in TX

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ASSOCIATED CREDIT UNION OF TEXAS has 6 strengths but faces 4 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

+ Wallet Share Momentum: Top 15.5% in tier
+ ROA 0.26% above tier average
+ Net Interest Margin 1.95% above tier average
+ Fee Income Per Member: Top 1.8% in tier
+ Deposit Growth Rate: Top 6.0% in tier
+ Asset Growth Rate: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 7.1% in tier
- Margin Compression: Bottom 32.3% in tier
- Delinquency rate 0.29% above tier average
- Net Charge-Off Rate: Bottom 1.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	44,225 +1.0% YoY+0.2% QoQ	+6.1K	38,079 -4.8% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	75%
Assets	$589.3M +11.4% YoY+3.3% QoQ	$-30.3M	$619.7M -0.2% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	36%
Loans	$456.2M +5.9% YoY-0.1% QoQ	+$36.8M	$419.3M -1.4% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	66%
Deposits	$521.9M +12.0% YoY+3.8% QoQ	$-17.6M	$539.5M -0.1% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	41%

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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	0.9% -40.9% YoY-18.0% QoQ	+0.3%	0.7% +36.0% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	71%
NIM	5.4% -4.7% YoY-1.8% QoQ	+2.0%	3.5% +4.5% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Top 0.6% in tier
Efficiency Ratio	69.9% +1.0% YoY+1.9% QoQ	-8.5%	78.4% -3.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	19%
Delinquency Rate	1.0% -12.0% YoY-18.5% QoQ	+0.3	0.7% -0.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	75%
Loan To Share	87.4% -5.4% YoY-3.7% QoQ	+9.7%	77.7% -1.2% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	75%
AMR	$22,116 +7.9% YoY+1.7% QoQ	$-5K	$26,927 +3.1% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	25%
CD Concentration	30.4% +32.6% YoY+5.3% QoQ	+6.2%	24.3%	21.3%	19.8%	72%
Indirect Auto %	19.3% -10.5% YoY-3.5% QoQ	+5.5%	13.8%	6.9%	7.7%	70%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#207 of 491 • Top 15.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.93%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (2)

Margin Compression

decline

#21 of 133 • Bottom 32.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.94%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.60%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.66% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 284 Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Indirect Auto Dependency

risk

#209 of 504 • Bottom 7.1% in tier

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

Why This Signature

Asset Growth (YoY): 11.43%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 19.29%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.03%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

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 167 peers in tier

Top Strengths (9 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.42%

Peer Median: 3.48%

#1 of 167 Top 0.1% in 500M-750M tier

Fee Income Per Member

profitability

Value: $388.47

Peer Median: $178.80

#4 of 167 Top 1.8% in 500M-750M tier

Deposit Growth Rate

growth

Value: 11.95%

Peer Median: 4.02%

#11 of 167 Top 6.0% in 500M-750M tier

Asset Growth Rate

growth

Value: 11.43%

Peer Median: 4.66%

#14 of 167 Top 7.8% in 500M-750M tier

AMR Growth Rate

growth

Value: 7.93%

Peer Median: 4.03%

#25 of 167 Top 14.4% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 17.60%

Peer Median: 32.87%

#25 of 167 Top 14.4% in 500M-750M tier

Efficiency Ratio

profitability

Value: 69.90%

Peer Median: 78.61%

#33 of 167 Top 19.2% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 87.40%

Peer Median: 79.97%

#41 of 167 Top 24.0% in 500M-750M tier

Total Members

engagement

Value: 44,225

Peer Median: 36,874

#41 of 167 Top 24.0% in 500M-750M tier

Top Weaknesses (2 metrics)

165

Net Charge-Off Rate

risk

Value: 2.42%

Peer Median: 0.39%

#165 of 167 Bottom 1.8% in 500M-750M tier

127

Total Delinquency Rate (60+ days)

risk

Value: 0.99%

Peer Median: 0.62%

#127 of 167 Bottom 24.6% in 500M-750M tier