BlastPoint's Credit Union Scorecard
CREDIT UNION OF TEXAS
Charter #66327 · TX
CREDIT UNION OF TEXAS has 8 strengths but faces 12 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 Leader: Top 7.1% in tier
- + Organic Growth Engine: Top 10.5% in tier
- + Strong member growth: 7.2% YoY
- + Fee Income Per Member: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 4.6% in tier
- + Total Assets: Top 6.9% in tier
- + Total Loans: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 6.3% in tier
- - Credit Quality Pressure: Bottom 7.3% in tier
- - Efficiency Drag: Bottom 28.6% in tier
- - Liquidity Strain: Bottom 31.7% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 6.03% above tier (higher cost structure)
- - Delinquency rate 0.82% above tier average
- - Share Certificate Concentration (%): Bottom 4.9% in tier
- - AMR Growth Rate: Bottom 5.3% in tier
- - Net Worth Ratio: Bottom 6.6% in tier
- - Net Charge-Off Rate: Bottom 7.2% in tier
- - Total Delinquency Rate (60+ days): 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 |
177,246
+7.2% YoY+1.9% QoQ
|
+78.6K |
98,678
-1.9% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 4.9% in tier |
| Assets |
$2.7B
+0.3% YoY+1.5% QoQ
|
+$950.6M |
$1.7B
+0.5% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 7.2% in tier |
| Loans |
$2.0B
-2.6% YoY-2.3% QoQ
|
+$786.3M |
$1.2B
+0.5% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 8.2% in tier |
| Deposits |
$2.2B
+5.7% YoY-1.0% QoQ
|
+$708.4M |
$1.5B
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Top 12.2% in tier |
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| ROA |
0.5%
+77.7% YoY+78.4% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
27% |
| NIM |
3.2%
+4.1% YoY-0.7% QoQ
|
-0.1% |
3.3%
+9.3% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
39% |
| Efficiency Ratio |
80.0%
-5.8% YoY-4.9% QoQ
|
+6.0% |
74.0%
-10.9% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
1.6%
+18.0% YoY+8.5% QoQ
|
+0.8 |
0.8%
+6.1% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 7.9% in tier |
| Loan To Share |
93.4%
-7.9% YoY-1.3% QoQ
|
+8.2% |
85.2%
-0.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
68% |
| AMR |
$23,595
-5.3% YoY-3.5% QoQ
|
$-6K |
$29,172
+2.8% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
24% |
| CD Concentration |
44.3%
+1.6% YoY+1.2% QoQ
|
+15.3% |
29.0%
+0.7% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
Top 6.1% in tier |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)