BlastPoint's Credit Union Scorecard
ASSOCIATED CREDIT UNION OF TEXAS
Charter #60608 · TX
ASSOCIATED CREDIT UNION OF TEXAS has 5 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 16.3% in tier
- + Net Interest Margin 1.90% above tier average
- + Fee Income Per Member: Top 3.6% in tier
- + Deposit Growth Rate: Top 6.7% in tier
- + Asset Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 6.6% in tier
- - ROA 0.15% below tier average
- - Delinquency rate 0.28% above tier average
- - Net Charge-Off Rate: Bottom 1.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 16 that size in Texas.
- Shares and deposits +11.3% year over year ($520M in shares and deposits).
- Membership: 43,893 members, +0.4% vs a year ago.
- Delinquency rate 1.09%.
- Return on assets 0.67%.
- Efficiency ratio 70.89% vs a 76.56% peer average.
- Loan-to-share ratio 89.02% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,893
+0.4% YoY-0.8% QoQ
|
+6.0K |
37,897
-5.0% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
73% |
| Assets |
$587.9M
+11.2% YoY-0.2% QoQ
|
$-34.4M |
$622.4M
+0.6% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
35% |
| Loans |
$462.5M
+5.4% YoY+1.4% QoQ
|
+$34.0M |
$428.5M
-0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
61% |
| Deposits |
$519.5M
+11.3% YoY-0.5% QoQ
|
$-20.2M |
$539.8M
+0.9% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
39% |
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| ROA |
0.7%
-55.7% YoY-29.2% QoQ
|
-0.1% |
0.8%
+39.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
44% |
| NIM |
5.4%
-4.9% YoY+0.1% QoQ
|
+1.9% |
3.5%
+5.0% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 1.2% in tier |
| Efficiency Ratio |
70.9%
+5.2% YoY+1.4% QoQ
|
-5.7% |
76.6%
-3.6% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
1.1%
-19.2% YoY+10.0% QoQ
|
+0.3 |
0.8%
+3.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
78% |
| Loan To Share |
89.0%
-5.3% YoY+1.9% QoQ
|
+9.7% |
79.3%
-1.4% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$22,374
+8.0% YoY+1.2% QoQ
|
$-5K |
$27,294
+4.1% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
22% |
| CD Concentration |
31.4%
+26.3% YoY+3.1% QoQ
|
+6.8% | 24.6% | 21.6% | 20.0% | 75% |
| Indirect Auto % |
18.3%
-14.0% YoY-5.3% QoQ
|
+4.6% | 13.6% | 6.9% | 7.7% | 69% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)