TEXAS DOW EMPLOYEES

Charter #60705 | TX

3B-5B (76 CUs) Mid-Market (380 CUs)
6 3B-5B in TX

TEXAS DOW EMPLOYEES has 7 strengths but faces 11 concerns

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
  • - Growth-at-Risk: Bottom 5.2% in tier
  • - Deposit Outflow: Bottom 10.7% 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
  • - 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
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
 Bottom 23.7% in tier
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
 70th in tier
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%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 44th in tier
Indirect Auto % 17.5%
-1.0% YoY-2.0% QoQ
 -1.3% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 52nd in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#68 of 138 • Top 17.1% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.62%
(Tier: 3.18%, National: 9.37%)
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: 18.80%, 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: 86.35%, 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

Growth-at-Risk

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

Deposit Outflow

decline
#14 of 25 • Bottom 10.7% in tier

Members staying but deposits leaving. They're losing 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
Total Assets: $4.90B
(Tier: $3.97B, National: $547.69M)
but better than tier avg
25 of 380 Mid-Market CUs have this signature | 143 nationally
↓ Shrinking -42 CUs YoY | New qualifier

Flatlined Growth

risk
#6 of 18 • Bottom 14.3% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $4.90B
(Tier: $3.97B, National: $547.69M)
but better than tier avg
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: 18.80%, 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

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)

Comparing against 76 peers in tier

Top Strengths (7 metrics)

2
Loan-to-Share Ratio
balance_sheet
Value: 111.58%
Peer Avg: 90.85%
#2 of 76 Top 1.3% in 3B-5B tier
2
Total Loans
balance_sheet
Value: $4.39B
Peer Avg: $3.02B
#2 of 76 Top 1.3% in 3B-5B tier
3
Total Assets
balance_sheet
Value: $4.90B
Peer Avg: $3.97B
#3 of 76 Top 2.6% in 3B-5B tier
6
Total Members
engagement
Value: 392,797
Peer Avg: 238,466
#6 of 76 Top 6.6% in 3B-5B tier
8
Net Interest Margin (NIM)
profitability
Value: 4.13%
Peer Avg: 3.20%
#8 of 76 Top 9.2% in 3B-5B tier
10
Total Deposits
balance_sheet
Value: $3.94B
Peer Avg: $3.33B
#10 of 76 Top 11.8% in 3B-5B tier
19
Members Per Employee (MPE)
engagement
Value: 495.956
Peer Avg: 433.941
#19 of 76 Top 23.7% in 3B-5B tier

Top Weaknesses (8 metrics)

74
Total Delinquency Rate (60+ days)
risk
Value: 2.56%
Peer Avg: 0.84%
#74 of 76 Bottom 3.9% in 3B-5B tier
69
Deposit Growth Rate
growth
Value: -1.48%
Peer Avg: 8.84%
#69 of 76 Bottom 10.5% in 3B-5B tier
66
Average Member Relationship (AMR)
engagement
Value: $21,215
Peer Avg: $29,088
#66 of 76 Bottom 14.5% in 3B-5B tier
64
Net Charge-Off Rate
risk
Value: 1.05%
Peer Avg: 0.64%
#64 of 76 Bottom 17.1% in 3B-5B tier
58
Return on Assets (ROA)
profitability
Value: 0.53%
Peer Avg: 0.75%
#58 of 76 Bottom 25.0% in 3B-5B tier
58
Asset Growth Rate
growth
Value: 1.32%
Peer Avg: 7.42%
#58 of 76 Bottom 25.0% in 3B-5B tier
58
AMR Growth Rate
growth
Value: -1.16%
Peer Avg: 2.07%
#58 of 76 Bottom 25.0% in 3B-5B tier
58
First Mortgage Concentration (%)
balance_sheet
Value: 45.01%
Peer Avg: 34.35%
#58 of 76 Bottom 25.0% in 3B-5B tier