BlastPoint's Credit Union Scorecard

TEXANS

Charter #60806 · TX

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 28 in TX
View Mid-Market leaderboard →

TEXANS has 4 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

  • + ROA 0.15% above tier average
  • + Strong member growth: 14.2% YoY
  • + Member Growth Rate: Top 3.6% in tier
  • + Total Deposits: Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 13.9% in tier
  • - Credit Quality Pressure: Bottom 13.9% in tier
  • - Credit Risk Growth: Bottom 25.8% in tier
  • - Margin Compression: Bottom 33.7% in tier
  • - Shrinking Wallet Share: Bottom 92.1% in tier
  • - AMR Growth Rate: Bottom 8.2% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 152,742
+14.2% YoY+9.0% QoQ
 +56.7K 96,048
-2.7% YoY
 29,039
+7.4% YoY
 33,913
+5.7% YoY
 Top 10.8% in tier
Assets $2.6B
+11.0% YoY+5.6% QoQ
 +$885.9M $1.7B
+0.4% YoY
 $450.8M
+10.3% YoY
 $578.3M
+9.0% YoY
 Top 11.4% in tier
Loans $1.8B
+9.7% YoY+5.2% QoQ
 +$570.6M $1.2B
+0.2% YoY
 $318.1M
+8.9% YoY
 $402.4M
+8.7% YoY
 Top 14.7% in tier
Deposits $2.3B
+10.5% YoY+5.9% QoQ
 +$855.6M $1.5B
+0.5% YoY
 $378.7M
+10.8% YoY
 $494.3M
+9.1% YoY
 Top 8.5% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.9%
-11.7% YoY-12.5% QoQ
 +0.2% 0.7%
+27.6% YoY
 -0.2%
-134.7% YoY
 0.4%
-39.2% YoY
 68%
NIM 3.0%
-8.0% YoY-5.7% QoQ
 -0.4% 3.4%
+6.2% YoY
 3.9%
-0.7% YoY
 3.8%
+4.1% YoY
 23%
Efficiency Ratio 68.6%
+2.1% YoY+2.2% QoQ
 -6.0% 74.6%
-3.0% YoY
 98.7%
+20.4% YoY
 84.6%
+2.8% YoY
 25%
Delinquency Rate 0.6%
+71.5% YoY-8.8% QoQ
 -0.1 0.8%
+6.9% YoY
 1.2%
+13.1% YoY
 1.2%
+3.4% YoY
 49%
Loan To Share 76.9%
-0.7% YoY-0.6% QoQ
 -6.3% 83.2%
-0.4% YoY
 69.5%
-2.6% YoY
 65.6%
-1.4% YoY
 28%
AMR $26,878
-3.5% YoY-3.2% QoQ
 $-3K $29,652
+2.3% YoY
 $17,820
+2.9% YoY
 $19,920
+1.6% YoY
 42%
CD Concentration 28.8%
+14.7% YoY-7.7% QoQ
 +0.0% 28.8% 21.3% 19.8% 52%
Indirect Auto % 40.1%
+5.8% YoY+1.8% QoQ
 +22.0% 18.1% 6.9% 7.7% Bottom 10.4% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Risk Growth

risk
#26 of 183 • Bottom 25.8% in tier

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

Why This Signature
Loan Growth (YoY): 9.68%
(Tier: 6.71%, National: 1.74%)
but better than tier avg
Delinquency Change (YoY): 0.26% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
183 of 384 Mid-Market CUs have this signature | 710 nationally
→ No prior data (183 CUs now) | New qualifier

Indirect Auto Dependency

risk
#35 of 198 • Bottom 13.9% in tier

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

Why This Signature
Asset Growth (YoY): 11.04%
(Tier: 6.82%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 40.11%
(Tier: 18.07%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 14.16%
(Tier: 3.50%, National: 10.19%)
but better than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 CUs YoY | Rank improving

Credit Quality Pressure

risk
#53 of 225 • Bottom 13.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.26% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
225 of 384 Mid-Market CUs have this signature | 1013 nationally
→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#31 of 82 • Bottom 92.1% in tier

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

Why This Signature
AMR Growth (YoY): -3.52%
(Tier: 3.34%, National: 6.36%)
worse than tier avg
82 of 384 Mid-Market CUs have this signature | 335 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Margin Compression

decline
#20 of 24 • Bottom 33.7% 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: 0.87%
(Tier: 0.72%, National: 0.39%)
but better than tier avg
ROA (Prior Year): 0.99%
(Tier: 0.58%, National: 0.75%)
but better than tier avg
ROA Change (YoY): -0.12% points
(Tier: 0.14% points, National: -0.45% points)
worse than tier avg
24 of 384 Mid-Market CUs have this signature | 162 nationally
→ No prior data (24 CUs now) | 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)

Comparing against 306 peers in tier

Top Strengths (9 metrics)

12
Member Growth Rate
growth
Value: 14.16%
Peer Median: 2.03%
#12 of 306 Top 3.6% in 1B-3B tier
26
Total Deposits
balance_sheet
Value: $2.32B
Peer Median: $1.31B
#26 of 306 Top 8.2% in 1B-3B tier
33
Total Members
engagement
Value: 152,742
Peer Median: 85,918
#33 of 306 Top 10.5% in 1B-3B tier
33
Members Per Employee (MPE)
engagement
Value: 468.534
Peer Median: 345.077
#33 of 306 Top 10.5% in 1B-3B tier
35
Total Assets
balance_sheet
Value: $2.61B
Peer Median: $1.51B
#35 of 306 Top 11.1% in 1B-3B tier
39
Asset Growth Rate
growth
Value: 11.04%
Peer Median: 4.82%
#39 of 306 Top 12.4% in 1B-3B tier
42
Deposit Growth Rate
growth
Value: 10.49%
Peer Median: 4.44%
#42 of 306 Top 13.4% in 1B-3B tier
45
Total Loans
balance_sheet
Value: $1.78B
Peer Median: $1.11B
#45 of 306 Top 14.4% in 1B-3B tier
76
Loan Growth Rate
growth
Value: 9.68%
Peer Median: 5.67%
#76 of 306 Top 24.5% in 1B-3B tier

Top Weaknesses (3 metrics)

282
AMR Growth Rate
growth
Value: -3.52%
Peer Median: 3.15%
#282 of 306 Bottom 8.2% in 1B-3B tier
276
Indirect Auto Concentration (%)
balance_sheet
Value: 40.11%
Peer Median: 13.86%
#276 of 306 Bottom 10.1% in 1B-3B tier
236
Net Interest Margin (NIM)
profitability
Value: 2.99%
Peer Median: 3.37%
#236 of 306 Bottom 23.2% in 1B-3B tier
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