A+

Charter #6178 | TX

1B-3B (304 CUs) Mid-Market (380 CUs)
26 1B-3B in TX

A+ has 6 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 20.0% in tier
  • + Organic Growth Leader: Top 28.3% in tier
  • + ROA 0.33% above tier average
  • + Net Interest Margin 0.71% above tier average
  • + Total Members: Top 2.3% in tier
  • + Total Loans: Top 7.2% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 5.6% in tier
  • - Liquidity Strain: Bottom 20.8% in tier
  • - Shrinking Wallet Share: Bottom 21.5% in tier
  • - Liquidity Overhang: Bottom 25.5% in tier
  • - Indirect Auto Dependency: Bottom 29.9% in tier
  • - Delinquency rate 1.53% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 2.3% in tier
  • - Net Charge-Off Rate: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 191,924
+1.6% YoY+1.0% QoQ
 +93.2K 98,678
-1.9% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Top 2.6% in tier
Assets $2.5B
+2.1% YoY+1.1% QoQ
 +$815.1M $1.7B
+0.5% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Top 14.1% in tier
Loans $2.1B
-3.1% YoY-0.4% QoQ
 +$820.0M $1.2B
+0.5% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Top 7.6% in tier
Deposits $2.0B
+3.0% YoY+0.5% QoQ
 +$579.4M $1.5B
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Top 17.1% in tier
ROA 1.0%
+3.5% YoY+61.0% QoQ
 +0.3% 0.7%
+13.4% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Top 20.1% in tier
NIM 4.0%
+1.0% YoY+1.0% QoQ
 +0.7% 3.3%
+9.3% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Top 12.2% in tier
Efficiency Ratio 63.6%
-1.1% YoY-3.7% QoQ
 -10.4% 74.0%
-10.9% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Bottom 14.1% in tier
Delinquency Rate 2.4%
+15.3% YoY+5.5% QoQ
 +1.5 0.8%
+6.1% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Top 2.3% in tier
Loan To Share 101.0%
-6.0% YoY-0.8% QoQ
 +15.8% 85.2%
-0.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 14.1% in tier
AMR $21,293
-1.7% YoY-0.9% QoQ
 $-8K $29,172
+2.8% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 10.9% in tier
CD Concentration 23.9%
+17.2% YoY+5.6% QoQ
 -5.1% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 26th in tier
Indirect Auto % 17.8%
-6.4% YoY-0.5% QoQ
 -1.0% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 52nd in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#146 of 246 • Top 20.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.55%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.03%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 17.78%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Organic Growth Leader

growth
#112 of 138 • Top 28.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.55%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk
#44 of 217 • Bottom 5.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.31% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Liquidity Strain

risk
#110 of 183 • Bottom 20.8% in tier

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

Why This Signature
Loan-to-Share Ratio: 100.95%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -3.11%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#66 of 83 • Bottom 21.5% in tier

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

Why This Signature
AMR Growth (YoY): -1.67%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank worsening

Liquidity Overhang

risk
#83 of 113 • Bottom 25.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.45%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 100.95%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#185 of 202 • Bottom 29.9% in tier

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

Why This Signature
Asset Growth (YoY): 2.09%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 17.78%
(Tier: 18.80%, National: 7.90%)
but better than tier avg
Member Growth (YoY): 1.55%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

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 304 peers in tier

Top Strengths (10 metrics)

8
Total Members
engagement
Value: 191,924
Peer Avg: 98,678
#8 of 304 Top 2.3% in 1B-3B tier
23
Total Loans
balance_sheet
Value: $2.05B
Peer Avg: $1.23B
#23 of 304 Top 7.2% in 1B-3B tier
37
Net Interest Margin (NIM)
profitability
Value: 3.97%
Peer Avg: 3.26%
#37 of 304 Top 11.8% in 1B-3B tier
43
Loan-to-Share Ratio
balance_sheet
Value: 100.95%
Peer Avg: 85.19%
#43 of 304 Top 13.8% in 1B-3B tier
43
Total Assets
balance_sheet
Value: $2.53B
Peer Avg: $1.72B
#43 of 304 Top 13.8% in 1B-3B tier
44
Efficiency Ratio
profitability
Value: 63.61%
Peer Avg: 73.97%
#44 of 304 Top 14.1% in 1B-3B tier
44
Net Worth Ratio
risk
Value: 13.45%
Peer Avg: 11.44%
#44 of 304 Top 14.1% in 1B-3B tier
52
Total Deposits
balance_sheet
Value: $2.03B
Peer Avg: $1.45B
#52 of 304 Top 16.8% in 1B-3B tier
61
Return on Assets (ROA)
profitability
Value: 1.03%
Peer Avg: 0.70%
#61 of 304 Top 19.7% in 1B-3B tier
74
Fee Income Per Member
profitability
Value: $251.97
Peer Avg: $210.52
#74 of 304 Top 24.0% in 1B-3B tier

Top Weaknesses (7 metrics)

298
Total Delinquency Rate (60+ days)
risk
Value: 2.36%
Peer Avg: 0.83%
#298 of 304 Bottom 2.3% in 1B-3B tier
281
Net Charge-Off Rate
risk
Value: 1.20%
Peer Avg: 0.60%
#281 of 304 Bottom 7.9% in 1B-3B tier
271
Average Member Relationship (AMR)
engagement
Value: $21,293
Peer Avg: $29,172
#271 of 304 Bottom 11.2% in 1B-3B tier
266
Loan Growth Rate
growth
Value: -3.11%
Peer Avg: 5.27%
#266 of 304 Bottom 12.8% in 1B-3B tier
251
AMR Growth Rate
growth
Value: -1.67%
Peer Avg: 3.29%
#251 of 304 Bottom 17.8% in 1B-3B tier
233
First Mortgage Concentration (%)
balance_sheet
Value: 43.51%
Peer Avg: 34.01%
#233 of 304 Bottom 23.7% in 1B-3B tier
229
Loan-to-Member Ratio (LMR)
engagement
Value: $10,697
Peer Avg: $13,213
#229 of 304 Bottom 25.0% in 1B-3B tier