BlastPoint's Credit Union Scorecard
TEXAS DOW EMPLOYEES
Charter #60705 · TX
TEXAS DOW EMPLOYEES has 5 strengths but faces 11 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
- + Organic Growth Leader: Top 28.6% in tier
- + Organic Growth Engine: Top 77.4% in tier
- + Net Interest Margin 1.11% above tier average
- + Loan-to-Share Ratio: Top 0.0% in tier
- + Total Members: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.2% in tier
- - Shrinking Wallet Share: Bottom 58.3% in tier
- - Indirect Auto Dependency: Bottom 91.2% in tier
- - ROA 0.46% below tier average
- - Efficiency ratio 7.65% above tier (higher cost structure)
- - Delinquency rate 1.43% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.7% in tier
- - Total Assets: Bottom 5.7% in tier
- - Total Deposits: Bottom 5.7% in tier
- - Deposit Growth Rate: Bottom 8.6% in tier
- - AMR Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
397,272
+4.2% YoY+1.1% QoQ
|
+104.9K |
292,342
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 8.6% in tier |
| Assets |
$5.0B
+5.6% YoY+2.9% QoQ
|
$-704.1M |
$5.7B
-0.2% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.9% in tier |
| Loans |
$4.4B
+5.3% YoY+0.7% QoQ
|
+$259.3M |
$4.2B
-1.6% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$4.0B
-0.5% YoY+1.2% QoQ
|
$-863.6M |
$4.8B
+0.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
+48.5% YoY-32.4% QoQ
|
-0.5% |
0.8%
+27.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.6% in tier |
| NIM |
4.1%
+2.6% YoY+0.5% QoQ
|
+1.1% |
3.0%
+8.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 8.6% in tier |
| Efficiency Ratio |
74.9%
-4.5% YoY-0.7% QoQ
|
+7.6% |
67.3%
-3.7% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
2.2%
-14.0% YoY-13.7% QoQ
|
+1.4 |
0.8%
+17.5% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 5.7% in tier |
| Loan To Share |
111.1%
+5.8% YoY-0.5% QoQ
|
+25.2% |
85.9%
-2.6% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 2.9% in tier |
| AMR |
$21,165
-1.6% YoY-0.2% QoQ
|
$-13K |
$34,289
+3.5% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.6% in tier |
| CD Concentration |
27.7%
-13.6% YoY+1.8% QoQ
|
-1.4% | 29.1% | 21.2% | 19.8% | 42% |
| Indirect Auto % |
17.9%
+6.6% YoY+1.9% QoQ
|
+0.8% | 17.1% | 7.1% | 7.8% | 55% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)