BlastPoint's Credit Union Scorecard
TEXAS DOW EMPLOYEES
Charter #60705 · TX
TEXAS DOW EMPLOYEES has 3 strengths but faces 8 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
- + 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
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 39 credit unions with $5B-$7B in assets nationally, and 1 of 1 that size in Texas.
- Shares and deposits -0.2% year over year ($4.04B in shares and deposits).
- Membership: 403,290 members, +0.9% vs a year ago.
- Delinquency rate 1.77%.
- Return on assets 0.52%.
- Efficiency ratio 75.80% vs a 65.18% peer average.
- Loan-to-share ratio 108.32% vs a 85.64% 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 |
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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| 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)
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)