BlastPoint's Credit Union Scorecard
TEXANS
Charter #60806 · TX
TEXANS has 3 strengths but faces 3 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
- + ROA 0.31% above tier average
- + Strong member growth: 7.5% YoY
- + Members Per Employee (MPE): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 17.7% in tier
- - Indirect Auto Dependency: Bottom 19.6% in tier
- - Credit Risk Growth: Bottom 29.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
140,077
+7.5% YoY+1.6% QoQ
|
+42.6K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$2.5B
+9.9% YoY+3.1% QoQ
|
+$743.2M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$1.7B
+9.0% YoY+0.3% QoQ
|
+$461.3M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$2.2B
+9.2% YoY+3.0% QoQ
|
+$733.3M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 10.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
+6.0% YoY-2.0% QoQ
|
+0.3% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
3.2%
+12.1% YoY-2.5% QoQ
|
-0.1% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
67.1%
-1.3% YoY+0.1% QoQ
|
-6.9% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.7%
+54.3% YoY+52.7% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
77.3%
-0.2% YoY-2.7% QoQ
|
-7.4% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$27,759
+1.5% YoY+0.2% QoQ
|
$-2K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
49% |
| CD Concentration |
31.2%
+27.5% YoY+1.2% QoQ
|
+2.2% | 29.0% | 21.2% | 19.8% | 62% |
| Indirect Auto % |
39.4%
+5.1% YoY-0.3% QoQ
|
+21.1% | 18.3% | 7.1% | 7.8% | Bottom 11.4% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)