BlastPoint's Credit Union Scorecard

CREDIT UNION OF TEXAS

Charter #66327 · TX

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 27 in TX

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CREDIT UNION OF TEXAS has 7 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 17.5% in tier
+ Organic Growth Engine: Top 17.5% in tier
+ Strong member growth: 5.5% YoY
+ Fee Income Per Member: Top 3.3% in tier
+ Total Members: Top 3.3% in tier
+ Total Loans: Top 8.3% in tier
+ Total Deposits: Top 10.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 4.5% in tier
- Credit Quality Pressure: Bottom 40.1% in tier
- Shrinking Wallet Share: Bottom 95.2% in tier
- ROA 0.76% below tier average
- Efficiency ratio 14.69% above tier (higher cost structure)
- Delinquency rate 0.73% above tier average
- Net Worth Ratio: Bottom 4.3% in tier
- Loan Growth Rate: Bottom 5.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
Shares and deposits +3.8% year over year ($2.27B in shares and deposits).
Membership: 183,580 members, +5.5% vs a year ago.
Delinquency rate 1.59%.
Return on assets 0.05%.
Efficiency ratio 87.71% vs a 73.02% peer average.
Loan-to-share ratio 87.50% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	183,580 +5.5% YoY-0.2% QoQ	+86.7K	96,861 -1.9% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	Top 3.7% in tier
Assets	$2.6B +0.5% YoY-2.7% QoQ	+$918.9M	$1.7B +0.4% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	Top 10.7% in tier
Loans	$2.0B -4.0% YoY-7.8% QoQ	+$751.2M	$1.2B +0.7% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	Top 8.7% in tier
Deposits	$2.3B +3.8% YoY+0.3% QoQ	+$805.6M	$1.5B +0.5% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	Top 10.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -79.0% YoY	-0.8%	0.8% +27.6% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	Bottom 1.3% in tier
NIM	3.1% -0.8% YoY+1.8% QoQ	-0.3%	3.4% +6.6% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	29%
Efficiency Ratio	87.7% +4.2% YoY+1.3% QoQ	+14.7%	73.0% -2.7% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	Bottom 5.0% in tier
Delinquency Rate	1.6% +4.9% YoY+8.1% QoQ	+0.7	0.9% +7.3% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	Bottom 8.3% in tier
Loan To Share	87.5% -7.5% YoY-8.1% QoQ	+2.8%	84.7% +0.1% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	51%
AMR	$23,174 -5.2% YoY-3.4% QoQ	$-6K	$29,575 +1.5% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	19%
CD Concentration	43.5% -0.4% YoY-0.1% QoQ	+14.5%	29.1%	21.6%	20.0%	Top 7.2% 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

#22 of 112 • Top 17.5% in tier

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

Why This Signature

Member Growth (YoY): 5.54%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank improving

Organic Growth Engine

growth

#60 of 113 • Top 17.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.54%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 0.05%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Concerns (3)

Shrinking Wallet Share

decline

#19 of 69 • Bottom 95.2% in tier

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

Why This Signature

AMR Growth (YoY): -5.21%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | Rank worsening

Efficiency Drag

risk

#39 of 71 • Bottom 4.5% in tier

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

Why This Signature

Efficiency Ratio: 87.71%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.20% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 5.54%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank improving

Credit Quality Pressure

risk

#149 of 215 • Bottom 40.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 14.26%

#1 of 300 Top 0.1% in 1B-3B tier

Fee Income Per Member

profitability

Value: $386.30

Peer Median: $204.73

#11 of 300 Top 3.3% in 1B-3B tier

Total Members

engagement

Value: 183,580

Peer Median: 86,516

#11 of 300 Top 3.3% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.99B

Peer Median: $1.14B

#26 of 300 Top 8.3% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.27B

Peer Median: $1.30B

#31 of 300 Top 10.0% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.64B

Peer Median: $1.51B

#32 of 300 Top 10.3% in 1B-3B tier

Member Growth Rate

growth

Value: 5.54%

Peer Median: 1.84%

#45 of 300 Top 14.7% in 1B-3B tier

Top Weaknesses (11 metrics)

296

Return on Assets (ROA)

profitability

Value: 0.05%

Peer Median: 0.77%

#296 of 300 Bottom 1.7% in 1B-3B tier

288

Net Worth Ratio

risk

Value: 8.13%

Peer Median: 10.91%

#288 of 300 Bottom 4.3% in 1B-3B tier

286

Efficiency Ratio

profitability

Value: 87.71%

Peer Median: 73.62%

#286 of 300 Bottom 5.0% in 1B-3B tier

286

Loan Growth Rate

growth

Value: -3.98%

Peer Median: 5.71%

#286 of 300 Bottom 5.0% in 1B-3B tier

285

AMR Growth Rate

growth

Value: -5.21%

Peer Median: 3.19%

#285 of 300 Bottom 5.3% in 1B-3B tier

283

Share Certificate Concentration (%)

balance_sheet

Value: 43.54%

Peer Median: 28.24%

#283 of 300 Bottom 6.0% in 1B-3B tier

282

Net Charge-Off Rate

risk

Value: 1.27%

Peer Median: 0.52%

#282 of 300 Bottom 6.3% in 1B-3B tier

276

Total Delinquency Rate (60+ days)

risk

Value: 1.59%

Peer Median: 0.70%

#276 of 300 Bottom 8.3% in 1B-3B tier

254

Asset Growth Rate

growth

Value: 0.52%

Peer Median: 5.21%

#254 of 300 Bottom 15.7% in 1B-3B tier

243

Average Member Relationship (AMR)

engagement

Value: $23,174

Peer Median: $28,089

#243 of 300 Bottom 19.3% in 1B-3B tier