BlastPoint's Credit Union Scorecard

TEXAS DOW EMPLOYEES

Charter #60705 · TX

Mid-Market 3B-5B

76 CUs in 3B-5B nationally 6 in TX

View Mid-Market leaderboard →

TEXAS DOW EMPLOYEES has 7 strengths but faces 11 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 17.1% in tier
+ Organic Growth Engine: Top 22.8% in tier
+ Net Interest Margin 0.93% above tier average
+ Loan-to-Share Ratio: Top 1.3% in tier
+ Total Loans: Top 1.3% in tier
+ Total Assets: Top 2.6% in tier
+ Total Members: Top 6.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 2.7% in tier
- Credit Quality Pressure: Bottom 3.7% in tier
- Credit Risk Growth: Bottom 5.2% in tier
- Flatlined Growth: Bottom 14.3% in tier
- Shrinking Wallet Share: Bottom 24.4% in tier
- Indirect Auto Dependency: Bottom 31.8% in tier
- Deposit Outflow: Bottom 56.5% in tier
- ROA 0.21% below tier average
- Efficiency ratio 4.22% above tier (higher cost structure)
- Delinquency rate 1.72% above tier average
- Total Delinquency Rate (60+ days): Bottom 3.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	392,797 +3.6% YoY-1.7% QoQ	+154.3K	238,465 +0.6% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	Top 7.9% in tier
Assets	$4.9B +1.3% YoY+0.7% QoQ	+$928.2M	$4.0B -0.1% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	Top 3.9% in tier
Loans	$4.4B +6.2% YoY+0.8% QoQ	+$1.4B	$3.0B +3.3% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	Top 2.6% in tier
Deposits	$3.9B -1.5% YoY-2.8% QoQ	+$605.3M	$3.3B +1.1% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	Top 13.2% in tier

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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	0.5% +74.7% YoY+32.6% QoQ	-0.2%	0.7% +5.3% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	24%
NIM	4.1% +2.1% YoY+2.1% QoQ	+0.9%	3.2% +13.7% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	Top 10.5% in tier
Efficiency Ratio	75.5% -2.1% YoY-3.6% QoQ	+4.2%	71.3% -0.6% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	70%
Delinquency Rate	2.6% +19.0% YoY-10.2% QoQ	+1.7	0.8% +15.9% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	Top 3.9% in tier
Loan To Share	111.6% +7.8% YoY+3.7% QoQ	+20.7%	90.8% +2.0% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	Top 2.6% in tier
AMR	$21,215 -1.2% YoY+0.8% QoQ	$-8K	$29,088 +0.1% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	Bottom 13.2% in tier
CD Concentration	27.2% -16.0% YoY-0.6% QoQ	-1.7%	29.0% +0.7% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	44%
Indirect Auto %	17.5% -1.0% YoY-2.0% QoQ	-1.2%	18.8% -3.0% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	52%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#68 of 138 • Top 17.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.62%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 17.55%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | New qualifier

Organic Growth Engine

growth

#166 of 246 • Top 22.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.62%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 0.53%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 17.55%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | New qualifier

Concerns (7)

Liquidity Strain

risk

#15 of 183 • Bottom 2.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 111.58%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 6.21%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank improving

Credit Quality Pressure

risk

#29 of 217 • Bottom 3.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.41% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank worsening

Credit Risk Growth

risk

#30 of 161 • Bottom 5.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.21%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.41% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Flatlined Growth

risk

#6 of 18 • Bottom 14.3% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 1.32%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Return on Assets: 0.53%

(Tier: 0.71%, National: 0.71%)

worse than tier avg

18 of 380 Mid-Market CUs have this signature | 82 nationally

→ Stable (18→18 CUs) | Rank improving

Shrinking Wallet Share

decline

#75 of 83 • Bottom 24.4% in tier

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

Why This Signature

AMR Growth (YoY): -1.16%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

83 of 380 Mid-Market CUs have this signature | 346 nationally

↓ Shrinking -55 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#197 of 202 • Bottom 31.8% in tier

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

Why This Signature

Asset Growth (YoY): 1.32%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 17.55%

(Tier: 18.77%, National: 7.90%)

but better than tier avg

Member Growth (YoY): 3.62%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

Deposit Outflow

decline

#14 of 24 • Bottom 56.5% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.48%

(Tier: 6.24%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 3.62%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

24 of 380 Mid-Market CUs have this signature | 109 nationally

↓ Shrinking -33 CUs YoY | New qualifier

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 76 peers in tier

Top Strengths (7 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 111.58%

Peer Avg: -

#2 of 76 Top 1.3% in 3B-5B tier

Total Loans

balance_sheet

Value: $4.39B

Peer Avg: -

#2 of 76 Top 1.3% in 3B-5B tier

Total Assets

balance_sheet

Value: $4.90B

Peer Avg: -

#3 of 76 Top 2.6% in 3B-5B tier

Total Members

engagement

Value: 392,797

Peer Avg: -

#6 of 76 Top 6.6% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 4.13%

Peer Avg: -

#8 of 76 Top 9.2% in 3B-5B tier

Total Deposits

balance_sheet

Value: $3.94B

Peer Avg: -

#10 of 76 Top 11.8% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 495.956

Peer Avg: -

#19 of 76 Top 23.7% in 3B-5B tier

Top Weaknesses (8 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 2.56%

Peer Avg: -

#74 of 76 Bottom 3.9% in 3B-5B tier

Deposit Growth Rate

growth

Value: -1.48%

Peer Avg: -

#69 of 76 Bottom 10.5% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $21,215

Peer Avg: -

#66 of 76 Bottom 14.5% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 1.05%

Peer Avg: -

#64 of 76 Bottom 17.1% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 0.53%

Peer Avg: -

#58 of 76 Bottom 25.0% in 3B-5B tier

Asset Growth Rate

growth

Value: 1.32%

Peer Avg: -

#58 of 76 Bottom 25.0% in 3B-5B tier

AMR Growth Rate

growth

Value: -1.16%

Peer Avg: -

#58 of 76 Bottom 25.0% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 45.01%

Peer Avg: -

#58 of 76 Bottom 25.0% in 3B-5B tier