TEXANS

Charter #60806 | TX

1B-3B (304 CUs) Mid-Market (380 CUs)
26 1B-3B in TX

TEXANS has 7 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 6.2% in tier
  • + Relationship Depth Leader: Top 22.6% in tier
  • + Wallet Share Momentum: Top 34.6% in tier
  • + ROA 0.31% above tier average
  • + Strong member growth: 7.8% YoY
  • + Member Growth Rate: Top 8.6% in tier
  • + Members Per Employee (MPE): Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 7.8% in tier
  • - Growth-at-Risk: Bottom 10.4% in tier
  • - Credit Quality Pressure: Bottom 19.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 137,855
+7.8% YoY+2.3% QoQ
 +39.2K 98,678
-1.9% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Top 16.8% in tier
Assets $2.4B
+7.8% YoY+2.4% QoQ
 +$672.7M $1.7B
+0.5% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Top 18.4% in tier
Loans $1.7B
+11.2% YoY+1.6% QoQ
 +$458.3M $1.2B
+0.5% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Top 19.7% in tier
Deposits $2.1B
+7.1% YoY+2.3% QoQ
 +$674.1M $1.5B
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Top 14.1% in tier
ROA 1.0%
+13.2% YoY-0.8% QoQ
 +0.3% 0.7%
+13.4% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Top 21.7% in tier
NIM 3.2%
+17.9% YoY-0.1% QoQ
 -0.0% 3.3%
+9.3% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 48th in tier
Efficiency Ratio 67.1%
-2.7% YoY+0.7% QoQ
 -6.9% 74.0%
-10.9% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Bottom 23.0% in tier
Delinquency Rate 0.4%
+18.3% YoY+22.3% QoQ
 -0.4 0.8%
+6.1% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 26th in tier
Loan To Share 79.5%
+3.8% YoY-0.7% QoQ
 -5.7% 85.2%
-0.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 30th in tier
AMR $27,709
+0.9% YoY-0.3% QoQ
 $-1K $29,172
+2.8% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 51st in tier
CD Concentration 30.9%
+24.8% YoY+14.4% QoQ
 +1.9% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 62nd in tier
Indirect Auto % 39.5%
+8.7% YoY-0.2% QoQ
 +20.7% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Top 12.7% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#46 of 246 • Top 6.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.84%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.01%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 39.53%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Relationship Depth Leader

growth
#164 of 264 • Top 22.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 0.94%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.1K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#251 of 264 • Top 34.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 0.94%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk
#49 of 202 • Bottom 7.8% in tier

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

Why This Signature
Asset Growth (YoY): 7.79%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 39.53%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 7.84%
(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 improving

Growth-at-Risk

risk
#59 of 161 • Bottom 10.4% in tier

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

Why This Signature
Loan Growth (YoY): 11.17%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.07% 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 | Rank worsening

Credit Quality Pressure

risk
#150 of 217 • Bottom 19.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.07% 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

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 304 peers in tier

Top Strengths (10 metrics)

27
Member Growth Rate
growth
Value: 7.84%
Peer Avg: 2.20%
#27 of 304 Top 8.6% in 1B-3B tier
28
Members Per Employee (MPE)
engagement
Value: 468.895
Peer Avg: 364.953
#28 of 304 Top 8.9% in 1B-3B tier
43
Total Deposits
balance_sheet
Value: $2.13B
Peer Avg: $1.45B
#43 of 304 Top 13.8% in 1B-3B tier
47
Loan Growth Rate
growth
Value: 11.17%
Peer Avg: 5.27%
#47 of 304 Top 15.1% in 1B-3B tier
51
Total Members
engagement
Value: 137,855
Peer Avg: 98,678
#51 of 304 Top 16.4% in 1B-3B tier
56
Total Assets
balance_sheet
Value: $2.39B
Peer Avg: $1.72B
#56 of 304 Top 18.1% in 1B-3B tier
60
Total Loans
balance_sheet
Value: $1.69B
Peer Avg: $1.23B
#60 of 304 Top 19.4% in 1B-3B tier
66
Return on Assets (ROA)
profitability
Value: 1.01%
Peer Avg: 0.70%
#66 of 304 Top 21.4% in 1B-3B tier
69
Asset Growth Rate
growth
Value: 7.79%
Peer Avg: 4.83%
#69 of 304 Top 22.4% in 1B-3B tier
71
Efficiency Ratio
profitability
Value: 67.07%
Peer Avg: 73.97%
#71 of 304 Top 23.0% in 1B-3B tier

Top Weaknesses (2 metrics)

269
Indirect Auto Concentration (%)
balance_sheet
Value: 39.53%
Peer Avg: 18.32%
#269 of 304 Bottom 11.8% in 1B-3B tier
268
Fee Income Per Member
profitability
Value: $135.69
Peer Avg: $210.52
#268 of 304 Bottom 12.2% in 1B-3B tier