BlastPoint's Credit Union Scorecard

TEXANS

Charter #60806 · TX

Mid-Market 1B-3B

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

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 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
Shares and deposits +9.9% year over year ($2.29B in shares and deposits).
Membership: 150,417 members, +11.6% vs a year ago.
Delinquency rate 0.69%.
Return on assets 0.84%.
Efficiency ratio 69.85% vs a 73.02% peer average.
Loan-to-share ratio 79.58% vs a 84.71% 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	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