BlastPoint's Credit Union Scorecard
TEXAS DOW EMPLOYEES
Charter #60705 · TX
TEXAS DOW EMPLOYEES has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.01% above tier average
- + Loan-to-Share Ratio: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.5% in tier
- - Indirect Auto Dependency: Bottom 43.8% in tier
- - ROA 0.43% below tier average
- - Efficiency ratio 11.07% above tier (higher cost structure)
- - Delinquency rate 0.80% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.4% in tier
- - Total Deposits: Bottom 5.4% in tier
- - Total Assets: Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
400,093
+4.0% YoY+0.7% QoQ
|
+92.3K |
307,793
+7.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Top 13.5% in tier |
| Assets |
$5.1B
+6.5% YoY+1.2% QoQ
|
$-669.2M |
$5.8B
-0.2% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.4% in tier |
| Loans |
$4.4B
+4.7% YoY-1.0% QoQ
|
+$226.3M |
$4.2B
+0.4% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
57% |
| Deposits |
$4.1B
+2.7% YoY+3.3% QoQ
|
$-780.1M |
$4.9B
+0.2% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.7% in tier |
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| ROA |
0.4%
+18.4% QoQ
|
-0.4% |
0.9%
+47.0% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
16% |
| NIM |
4.2%
+4.4% YoY+0.5% QoQ
|
+1.0% |
3.2%
+9.8% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 10.8% in tier |
| Efficiency Ratio |
77.7%
-7.3% YoY+3.6% QoQ
|
+11.1% |
66.6%
-11.0% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
84% |
| Delinquency Rate |
1.5%
-25.2% YoY-32.1% QoQ
|
+0.8 |
0.7%
+23.3% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.4% in tier |
| Loan To Share |
106.5%
+2.0% YoY-4.1% QoQ
|
+21.7% |
84.7%
-0.7% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 2.7% in tier |
| AMR |
$21,237
-0.3% YoY+0.3% QoQ
|
$-11K |
$32,237
-7.3% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.8% in tier |
| CD Concentration |
27.7%
-4.8% YoY+0.0% QoQ
|
-0.9% | 28.6% | 21.3% | 19.8% | 44% |
| Indirect Auto % |
16.7%
-0.9% YoY-6.6% QoQ
|
+0.3% | 16.4% | 6.9% | 7.7% | 48% |
Signature Analysis
Strengths (0)
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)