BlastPoint's Credit Union Scorecard
CREDIT UNION OF TEXAS
Charter #66327 · TX
CREDIT UNION OF TEXAS has 9 strengths but faces 10 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 22.7% in tier
- + Organic Growth Engine: Top 32.9% in tier
- + Strong member growth: 6.8% YoY
- + Fee Income Per Member: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 3.6% in tier
- + Total Loans: Top 7.0% in tier
- + Total Assets: Top 7.3% in tier
- + Total Deposits: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 30.5% in tier
- - Shrinking Wallet Share: Bottom 52.6% in tier
- - Liquidity Strain: Bottom 99.4% in tier
- - ROA 0.32% below tier average
- - Efficiency ratio 4.14% above tier (higher cost structure)
- - Delinquency rate 0.86% above tier average
- - Net Worth Ratio: Bottom 5.0% in tier
- - Net Charge-Off Rate: Bottom 6.0% in tier
- - Share Certificate Concentration (%): Bottom 6.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
180,444
+6.8% YoY+1.8% QoQ
|
+83.0K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 4.0% in tier |
| Assets |
$2.7B
+5.5% YoY+0.3% QoQ
|
+$954.2M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 7.6% in tier |
| Loans |
$2.0B
-1.0% YoY+1.2% QoQ
|
+$809.2M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 7.3% in tier |
| Deposits |
$2.3B
+8.3% YoY+4.1% QoQ
|
+$792.3M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 9.6% in tier |
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| ROA |
0.4%
+0.9% YoY-20.5% QoQ
|
-0.3% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
3.1%
+0.2% YoY-2.5% QoQ
|
-0.2% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
78.2%
-4.1% YoY-2.3% QoQ
|
+4.1% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
1.8%
+16.1% YoY+6.6% QoQ
|
+0.9 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 7.3% in tier |
| Loan To Share |
90.8%
-8.6% YoY-2.8% QoQ
|
+6.0% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$23,804
-2.9% YoY+0.9% QoQ
|
$-6K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
43.4%
-2.3% YoY-2.0% QoQ
|
+14.3% | 29.0% | 21.2% | 19.8% | Top 7.2% in tier |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 7.1% | 7.8% | 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 (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)