BlastPoint's Credit Union Scorecard

TEXANS

Charter #60806 · TX

Mid-Market 1B-3B

Texans at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Texans is one of 101 credit unions in the 2026 VentureTech card set. We also found Texans's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Texans

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TEXANS
PEER · AT VENTURETECH
PEER · AT VENTURETECH
TEXANS'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 27 in TX

View Mid-Market leaderboard →

TEXANS has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Strong member growth: 11.6% YoY
+ Member Growth Rate: Top 5.0% in tier
+ Total Deposits: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 11.8% in tier
- Indirect Auto Dependency: Bottom 17.2% in tier
- Credit Risk Growth: Bottom 28.8% in tier
- Margin Compression: Bottom 45.3% in tier
- Shrinking Wallet Share: Bottom 86.8% in tier
- Indirect Auto Concentration (%): Bottom 8.3% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	150,417 +11.6% YoY-1.5% QoQ	+53.6K	96,861 -1.9% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	Top 11.3% in tier
Assets	$2.6B +10.3% YoY-1.1% QoQ	+$852.4M	$1.7B +0.4% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	Top 13.3% in tier
Loans	$1.8B +9.3% YoY+2.0% QoQ	+$585.8M	$1.2B +0.7% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	Top 15.0% in tier
Deposits	$2.3B +9.9% YoY-1.5% QoQ	+$823.6M	$1.5B +0.5% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	Top 9.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% -18.3% YoY-4.0% QoQ	+0.0%	0.8% +27.6% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	57%
NIM	3.1% -3.4% YoY+5.3% QoQ	-0.3%	3.4% +6.6% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	29%
Efficiency Ratio	69.8% +4.9% YoY+1.8% QoQ	-3.2%	73.0% -2.7% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	35%
Delinquency Rate	0.7% +89.2% YoY+11.1% QoQ	-0.2	0.9% +7.3% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	49%
Loan To Share	79.6% -0.5% YoY+3.5% QoQ	-5.1%	84.7% +0.1% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	29%
AMR	$27,304 -1.7% YoY+1.6% QoQ	$-2K	$29,575 +1.5% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	44%
CD Concentration	29.1% +7.7% YoY+0.7% QoQ	+0.0%	29.1%	21.6%	20.0%	51%
Indirect Auto %	41.2% +4.1% YoY+2.8% QoQ	+23.2%	18.1%	6.9%	7.7%	Bottom 8.5% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Risk Growth

risk

#23 of 170 • Bottom 28.8% in tier

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

Why This Signature

Loan Growth (YoY): 9.34%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.32% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#33 of 193 • Bottom 17.2% in tier

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

Why This Signature

Asset Growth (YoY): 10.27%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 41.23%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 11.60%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Credit Quality Pressure

risk

#44 of 215 • Bottom 11.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.32% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#50 of 69 • Bottom 86.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.74%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | New qualifier

Margin Compression

decline

#16 of 20 • Bottom 45.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.84%

(Tier: 0.84%, National: 1.23%)

worse than tier avg

ROA (Prior Year): 1.02%

(Tier: 0.66%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.19% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

20 of 377 Mid-Market CUs have this signature | 167 nationally

→ Stable (22→20 CUs) -2 CUs YoY | New qualifier

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (8 metrics)

Member Growth Rate

growth

Value: 11.60%

Peer Median: 1.84%

#16 of 300 Top 5.0% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.29B

Peer Median: $1.30B

#29 of 300 Top 9.3% in 1B-3B tier

Total Members

engagement

Value: 150,417

Peer Median: 86,516

#34 of 300 Top 11.0% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 464.250

Peer Median: 346.173

#35 of 300 Top 11.3% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.58B

Peer Median: $1.51B

#40 of 300 Top 13.0% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.82B

Peer Median: $1.14B

#45 of 300 Top 14.7% in 1B-3B tier

Asset Growth Rate

growth

Value: 10.27%

Peer Median: 5.21%

#47 of 300 Top 15.3% in 1B-3B tier

Deposit Growth Rate

growth

Value: 9.92%

Peer Median: 4.79%

#52 of 300 Top 17.0% in 1B-3B tier

Top Weaknesses (3 metrics)

276

Indirect Auto Concentration (%)

balance_sheet

Value: 41.23%

Peer Median: 14.26%

#276 of 300 Bottom 8.3% in 1B-3B tier

258

AMR Growth Rate

growth

Value: -1.74%

Peer Median: 3.19%

#258 of 300 Bottom 14.3% in 1B-3B tier

248

Fee Income Per Member

profitability

Value: $147.24

Peer Median: $204.73

#248 of 300 Bottom 17.7% in 1B-3B tier