BlastPoint's Credit Union Scorecard

CREDIT UNION OF TEXAS

Charter #66327 · TX

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 28 in TX

View Mid-Market leaderboard →

CREDIT UNION OF TEXAS has 8 strengths but faces 8 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

+ Organic Growth Leader: Top 15.5% in tier
+ Organic Growth Engine: Top 15.5% in tier
+ Strong member growth: 6.2% YoY
+ Fee Income Per Member: Top 2.6% in tier
+ Total Members: Top 2.9% in tier
+ Total Loans: Top 3.9% in tier
+ Total Assets: Top 6.9% in tier
+ Total Deposits: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 8.6% in tier
- Credit Quality Pressure: Bottom 21.3% in tier
- Liquidity Strain: Bottom 21.7% in tier
- Credit Risk Growth: Bottom 72.6% in tier
- Shrinking Wallet Share: Bottom 90.5% in tier
- ROA 0.68% below tier average
- Efficiency ratio 11.98% above tier (higher cost structure)
- Delinquency rate 0.72% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	184,024 +6.2% YoY+2.0% QoQ	+88.0K	96,048 -2.7% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Top 3.3% in tier
Assets	$2.7B +3.6% YoY+1.5% QoQ	+$996.7M	$1.7B +0.4% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Top 7.2% in tier
Loans	$2.2B +1.6% YoY+5.3% QoQ	+$939.1M	$1.2B +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Top 4.2% in tier
Deposits	$2.3B +4.9% YoY+0.4% QoQ	+$796.2M	$1.5B +0.5% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Top 9.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.0% -129.4% YoY-90.6% QoQ	-0.7%	0.7% +27.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 4.9% in tier
NIM	3.1% -3.1% YoY+0.7% QoQ	-0.3%	3.4% +6.2% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	30%
Efficiency Ratio	86.6% -1.8% YoY+10.8% QoQ	+12.0%	74.6% -3.0% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Bottom 9.8% in tier
Delinquency Rate	1.5% +13.5% YoY-16.1% QoQ	+0.7	0.8% +6.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Bottom 7.2% in tier
Loan To Share	95.2% -3.1% YoY+4.9% QoQ	+12.0%	83.2% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	81%
AMR	$23,989 -2.8% YoY+0.8% QoQ	$-6K	$29,652 +2.3% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	24%
CD Concentration	43.6% +0.4% YoY+0.5% QoQ	+14.8%	28.8%	21.3%	19.8%	Top 7.0% in tier
Indirect Auto %	0.0%	-18.1%	18.1%	6.9%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#27 of 116 • Top 15.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 6.24%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth

#60 of 115 • Top 15.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.24%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 0.03%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#81 of 225 • Bottom 21.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.17% 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 worsening

Shrinking Wallet Share

decline

#37 of 82 • Bottom 90.5% in tier

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

Why This Signature

AMR Growth (YoY): -2.82%

(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 worsening

Efficiency Drag

risk

#54 of 100 • Bottom 8.6% in tier

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

Why This Signature

Efficiency Ratio: 86.61%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.15% points

(Tier: 0.14% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 6.24%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank worsening

Liquidity Strain

risk

#103 of 148 • Bottom 21.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.19%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 1.60%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Credit Risk Growth

risk

#132 of 183 • Bottom 72.6% in tier

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

Why This Signature

Loan Growth (YoY): 1.60%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.17% 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

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 306 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.86%

#1 of 306 Top 0.1% in 1B-3B tier

Fee Income Per Member

profitability

Value: $397.23

Peer Median: $191.54

#9 of 306 Top 2.6% in 1B-3B tier

Total Members

engagement

Value: 184,024

Peer Median: 85,918

#10 of 306 Top 2.9% in 1B-3B tier

Total Loans

balance_sheet

Value: $2.15B

Peer Median: $1.11B

#13 of 306 Top 3.9% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.72B

Peer Median: $1.51B

#22 of 306 Top 6.9% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.26B

Peer Median: $1.31B

#30 of 306 Top 9.5% in 1B-3B tier

Member Growth Rate

growth

Value: 6.24%

Peer Median: 2.03%

#46 of 306 Top 14.7% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.19%

Peer Median: 85.31%

#59 of 306 Top 19.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 22.94%

Peer Median: 33.05%

#70 of 306 Top 22.5% in 1B-3B tier

Top Weaknesses (8 metrics)

291

Return on Assets (ROA)

profitability

Value: 0.03%

Peer Median: 0.66%

#291 of 306 Bottom 5.2% in 1B-3B tier

291

Net Worth Ratio

risk

Value: 8.31%

Peer Median: 10.85%

#291 of 306 Bottom 5.2% in 1B-3B tier

289

Share Certificate Concentration (%)

balance_sheet

Value: 43.60%

Peer Median: 27.93%

#289 of 306 Bottom 5.9% in 1B-3B tier

285

Total Delinquency Rate (60+ days)

risk

Value: 1.47%

Peer Median: 0.63%

#285 of 306 Bottom 7.2% in 1B-3B tier

283

Net Charge-Off Rate

risk

Value: 1.20%

Peer Median: 0.51%

#283 of 306 Bottom 7.8% in 1B-3B tier

277

Efficiency Ratio

profitability

Value: 86.61%

Peer Median: 75.16%

#277 of 306 Bottom 9.8% in 1B-3B tier

277

AMR Growth Rate

growth

Value: -2.82%

Peer Median: 3.15%

#277 of 306 Bottom 9.8% in 1B-3B tier

233

Average Member Relationship (AMR)

engagement

Value: $23,989

Peer Median: $28,178

#233 of 306 Bottom 24.2% in 1B-3B tier