CREDIT UNION OF TEXAS

Charter #66327 | TX

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

CREDIT UNION OF TEXAS has 8 strengths but faces 12 concerns

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
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
 27th in tier
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
 39th in tier
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
 72nd in tier
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
 68th in tier
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
 Bottom 24.3% in tier
CD Concentration 44.3%
+1.6% YoY+1.2% QoQ
 +15.3% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 Top 6.1% in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#29 of 138 • Top 7.1% in tier

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

Why This Signature
Member Growth (YoY): 7.17%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Organic Growth Engine

growth
#77 of 246 • Top 10.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.17%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.46%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(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 | Rank improving

Concerns (4)

Shrinking Wallet Share

decline
#20 of 83 • Bottom 6.3% in tier

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

Why This Signature
AMR Growth (YoY): -5.29%
(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 | New qualifier

Credit Quality Pressure

risk
#57 of 217 • Bottom 7.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.25% 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 worsening

Efficiency Drag

risk
#95 of 96 • Bottom 28.6% in tier

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

Why This Signature
Efficiency Ratio: 80.00%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.20% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 7.17%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank worsening

Liquidity Strain

risk
#167 of 183 • Bottom 31.7% in tier

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

Why This Signature
Loan-to-Share Ratio: 93.37%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -2.64%
(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

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 (7 metrics)

1
Fee Income Per Member
profitability
Value: $521.39
Peer Avg: $210.52
#1 of 304 Top 0.0% in 1B-3B tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
15
Total Members
engagement
Value: 177,246
Peer Avg: 98,678
#15 of 304 Top 4.6% in 1B-3B tier
22
Total Assets
balance_sheet
Value: $2.67B
Peer Avg: $1.72B
#22 of 304 Top 6.9% in 1B-3B tier
25
Total Loans
balance_sheet
Value: $2.02B
Peer Avg: $1.23B
#25 of 304 Top 7.9% in 1B-3B tier
37
Member Growth Rate
growth
Value: 7.17%
Peer Avg: 2.20%
#37 of 304 Top 11.8% in 1B-3B tier
37
Total Deposits
balance_sheet
Value: $2.16B
Peer Avg: $1.45B
#37 of 304 Top 11.8% in 1B-3B tier

Top Weaknesses (8 metrics)

290
Share Certificate Concentration (%)
balance_sheet
Value: 44.27%
Peer Avg: 28.53%
#290 of 304 Bottom 4.9% in 1B-3B tier
289
AMR Growth Rate
growth
Value: -5.29%
Peer Avg: 3.29%
#289 of 304 Bottom 5.3% in 1B-3B tier
285
Net Worth Ratio
risk
Value: 8.65%
Peer Avg: 11.44%
#285 of 304 Bottom 6.6% in 1B-3B tier
283
Net Charge-Off Rate
risk
Value: 1.26%
Peer Avg: 0.60%
#283 of 304 Bottom 7.2% in 1B-3B tier
281
Total Delinquency Rate (60+ days)
risk
Value: 1.65%
Peer Avg: 0.83%
#281 of 304 Bottom 7.9% in 1B-3B tier
263
Loan Growth Rate
growth
Value: -2.64%
Peer Avg: 5.27%
#263 of 304 Bottom 13.8% in 1B-3B tier
240
Asset Growth Rate
growth
Value: 0.34%
Peer Avg: 4.83%
#240 of 304 Bottom 21.4% in 1B-3B tier
230
Average Member Relationship (AMR)
engagement
Value: $23,595
Peer Avg: $29,172
#230 of 304 Bottom 24.7% in 1B-3B tier