BlastPoint's Credit Union Scorecard

TEXAS DOW EMPLOYEES

Charter #60705 · TX

Large 5B-7B

TDECU at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

TDECU is one of 101 credit unions in the 2026 VentureTech card set. We also found TDECU's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

TDECU

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TDECU
PEER · AT VENTURETECH
PEER · AT VENTURETECH
TDECU'S BIGGEST OPPORTUNITY

39 CUs in 5B-7B nationally 1 in TX

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TEXAS DOW EMPLOYEES has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.08% above tier average
+ Loan-to-Share Ratio: Top 0.1% in tier
+ Total Members: Top 7.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 1.5% in tier
- Indirect Auto Dependency: Bottom 78.1% in tier
- Shrinking Wallet Share: Bottom 85.9% in tier
- ROA 0.41% below tier average
- Efficiency ratio 10.62% above tier (higher cost structure)
- Delinquency rate 0.98% above tier average
- Total Deposits: Bottom 2.6% in tier
- Total Delinquency Rate (60+ days): Bottom 5.1% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	403,290 +0.9% YoY+0.8% QoQ	+92.4K	310,918 +6.0% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	Top 10.3% in tier
Assets	$5.0B +3.1% YoY-1.6% QoQ	$-771.0M	$5.8B -1.1% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	Bottom 2.6% in tier
Loans	$4.4B +0.5% YoY-0.1% QoQ	+$178.7M	$4.2B -0.7% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	54%
Deposits	$4.0B -0.2% YoY-1.8% QoQ	$-852.4M	$4.9B -1.3% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	Bottom 0.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% +28.9% YoY+21.6% QoQ	-0.4%	0.9% +35.3% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	Bottom 12.8% in tier
NIM	4.3% +6.0% YoY+2.8% QoQ	+1.1%	3.2% +9.5% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	Top 5.1% in tier
Efficiency Ratio	75.8% -3.2% YoY-2.4% QoQ	+10.6%	65.2% -9.0% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	85%
Delinquency Rate	1.8% -38.1% YoY+17.5% QoQ	+1.0	0.8% +23.8% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	Bottom 5.1% in tier
Loan To Share	108.3% +0.7% YoY+1.8% QoQ	+22.7%	85.6% -0.2% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	Top 2.6% in tier
AMR	$20,882 -0.8% YoY-1.7% QoQ	$-11K	$32,010 -7.3% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	Bottom 10.3% in tier
CD Concentration	27.8% +1.5% YoY+0.3% QoQ	-0.5%	28.3%	21.6%	20.0%	44%
Indirect Auto %	17.3% -3.3% YoY+3.5% QoQ	+0.5%	16.8%	6.9%	7.7%	48%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Liquidity Strain

risk

#8 of 28 • Bottom 1.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 108.32%

(Tier: 84.03%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 0.46%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

28 of 67 Large CUs have this signature | 432 nationally

→ Stable (27→28 CUs) +1 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#10 of 11 • Bottom 85.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.76%

(Tier: 4.16%, National: 35.20%)

worse than tier avg

11 of 67 Large CUs have this signature | 308 nationally

→ Stable (11→11 CUs) | Rank improving

Indirect Auto Dependency

risk

#32 of 35 • Bottom 78.1% in tier

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

Why This Signature

Asset Growth (YoY): 3.15%

(Tier: 8.71%, National: 3.30%)

worse than tier avg

Indirect Auto %: 17.30%

(Tier: 16.81%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 0.91%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

35 of 67 Large CUs have this signature | 714 nationally

→ Stable (33→35 CUs) +2 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 39 peers in tier

Top Strengths (4 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 108.32%

Peer Median: 89.91%

#1 of 39 Top 0.1% in 5B-7B tier

Net Interest Margin (NIM)

profitability

Value: 4.29%

Peer Median: 3.25%

#2 of 39 Top 2.6% in 5B-7B tier

Total Members

engagement

Value: 403,290

Peer Median: 303,111

#4 of 39 Top 7.7% in 5B-7B tier

Members Per Employee (MPE)

engagement

Value: 513.745

Peer Median: 423.198

#7 of 39 Top 15.4% in 5B-7B tier

Top Weaknesses (12 metrics)

Total Deposits

balance_sheet

Value: $4.04B

Peer Median: $4.80B

#39 of 39 Bottom 2.6% in 5B-7B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.77%

Peer Median: 0.67%

#38 of 39 Bottom 5.1% in 5B-7B tier

Total Assets

balance_sheet

Value: $5.02B

Peer Median: $5.68B

#38 of 39 Bottom 5.1% in 5B-7B tier

Deposit Growth Rate

growth

Value: -0.20%

Peer Median: 6.19%

#37 of 39 Bottom 7.7% in 5B-7B tier

Average Member Relationship (AMR)

engagement

Value: $20,882

Peer Median: $29,661

#35 of 39 Bottom 12.8% in 5B-7B tier

Return on Assets (ROA)

profitability

Value: 0.52%

Peer Median: 0.85%

#34 of 39 Bottom 15.4% in 5B-7B tier

Efficiency Ratio

profitability

Value: 75.80%

Peer Median: 66.17%

#34 of 39 Bottom 15.4% in 5B-7B tier

Asset Growth Rate

growth

Value: 3.15%

Peer Median: 6.34%

#33 of 39 Bottom 17.9% in 5B-7B tier

Loan Growth Rate

growth

Value: 0.46%

Peer Median: 4.22%

#33 of 39 Bottom 17.9% in 5B-7B tier

AMR Growth Rate

growth

Value: -0.76%

Peer Median: 2.28%

#33 of 39 Bottom 17.9% in 5B-7B tier