BlastPoint's Credit Union Scorecard

TEXOMA COMMUNITY

Charter #61527 · TX

100M-500M

1024 CUs in 100M-500M nationally 74 in TX

TEXOMA COMMUNITY has 6 strengths but faces 7 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.86% above tier average
+ Strong member growth: 8.5% YoY
+ Member Growth Rate: Top 4.4% in tier
+ Loan-to-Share Ratio: Top 4.8% in tier
+ Asset Growth Rate: Top 6.2% in tier
+ Total Members: Top 8.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.40% below tier average
- Efficiency ratio 7.20% above tier (higher cost structure)

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
Shares and deposits +9.7% year over year ($279M in shares and deposits).
Membership: 27,877 members, +8.5% vs a year ago.
Delinquency rate 0.70%.
Return on assets 0.46%.
Efficiency ratio 83.93% vs a 76.73% peer average.
Loan-to-share ratio 96.38% vs a 71.54% 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	27,877 +8.5% YoY-0.6% QoQ	+12.7K	15,168 -2.6% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	Top 8.3% in tier
Assets	$325.5M +11.1% YoY+3.5% QoQ	+$93.5M	$232.0M +0.7% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	77%
Loans	$268.7M +9.3% YoY+0.5% QoQ	+$122.4M	$146.3M +0.2% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	Top 10.6% in tier
Deposits	$278.7M +9.7% YoY+2.4% QoQ	+$78.0M	$200.7M +0.2% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	77%

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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	0.5% -65.2% YoY+308.0% QoQ	-0.4%	0.9% +12.5% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	25%
NIM	4.5% -4.1% YoY-1.5% QoQ	+0.9%	3.7% +4.5% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	Top 10.1% in tier
Efficiency Ratio	83.9% +8.7% YoY-4.3% QoQ	+7.2%	76.7% -0.8% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	73%
Delinquency Rate	0.7% +9.9% YoY+23.3% QoQ	-0.2	0.9% +6.6% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	50%
Loan To Share	96.4% -0.4% YoY-1.9% QoQ	+24.8%	71.5% -0.3% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	Top 4.9% in tier
AMR	$19,636 +0.9% YoY+2.1% QoQ	$-5K	$25,107 +3.2% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	30%
CD Concentration	29.9% +11.6% YoY-0.6% QoQ	+5.4%	24.6%	21.6%	20.0%	50%
Indirect Auto %	32.1% -0.9% YoY+0.4% QoQ	+18.5%	13.6%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Liquidity Strain

risk

#54 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 96.38%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 9.26%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY

Indirect Auto Dependency

risk

#114 of 476 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 11.11%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 32.13%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 8.51%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Credit Risk Growth

risk

#257 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 9.26%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#558 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Efficiency Drag

risk

#513 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.93%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.87% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 8.51%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 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 1024 peers in tier

Top Strengths (11 metrics)

Member Growth Rate

growth

Value: 8.51%

Peer Median: -0.03%

#46 of 1024 Top 4.4% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 96.38%

Peer Median: 73.07%

#50 of 1024 Top 4.8% in 100M-500M tier

Asset Growth Rate

growth

Value: 11.11%

Peer Median: 4.12%

#65 of 1024 Top 6.2% in 100M-500M tier

Total Members

engagement

Value: 27,877

Peer Median: 13,128

#85 of 1024 Top 8.2% in 100M-500M tier

103

Net Interest Margin (NIM)

profitability

Value: 4.54%

Peer Median: 3.67%

#103 of 1024 Top 10.0% in 100M-500M tier

107

Deposit Growth Rate

growth

Value: 9.67%

Peer Median: 3.58%

#107 of 1024 Top 10.4% in 100M-500M tier

109

Total Loans

balance_sheet

Value: $268.66M

Peer Median: $124.04M

#109 of 1024 Top 10.5% in 100M-500M tier

161

Fee Income Per Member

profitability

Value: $233.62

Peer Median: $159.88

#161 of 1024 Top 15.6% in 100M-500M tier

191

Loan Growth Rate

growth

Value: 9.26%

Peer Median: 3.02%

#191 of 1024 Top 18.6% in 100M-500M tier

232

Total Assets

balance_sheet

Value: $325.49M

Peer Median: $196.38M

#232 of 1024 Top 22.6% in 100M-500M tier

Top Weaknesses (2 metrics)

888

Indirect Auto Concentration (%)

balance_sheet

Value: 32.13%

Peer Median: 6.15%

#888 of 1024 Bottom 13.4% in 100M-500M tier

770

Return on Assets (ROA)

profitability

Value: 0.46%

Peer Median: 0.75%

#770 of 1024 Bottom 24.9% in 100M-500M tier