BlastPoint's Credit Union Scorecard
TEXANS
Charter #60806 · TX
TEXANS has 4 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
- + Organic Growth Engine: Top 20.3% in tier
- + 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 Risk Growth: Bottom 17.8% in tier
- - Indirect Auto Dependency: Bottom 21.0% in tier
- - Credit Quality Pressure: Bottom 31.0% 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 |
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| 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% | Top 11.4% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)