BlastPoint's Credit Union Scorecard

TELCO PLUS

Charter #66351 · TX

100M-500M

1024 CUs in 100M-500M nationally 74 in TX

TELCO PLUS has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.34% above tier average
+ Loan-to-Share Ratio: Top 4.5% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Capital Constraint: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
Shares and deposits -11.1% year over year ($108M in shares and deposits).
Membership: 9,284 members, -0.7% vs a year ago.
Delinquency rate 0.31%.
Return on assets 0.43%.
Efficiency ratio 86.00% vs a 76.73% peer average.
Loan-to-share ratio 96.63% vs a 71.54% 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	9,284 -0.7% YoY+1.3% QoQ	-5.9K	15,168 -2.6% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	27%
Assets	$124.3M -13.8% YoY-3.9% QoQ	$-107.7M	$232.0M +0.7% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	15%
Loans	$104.6M -8.4% YoY-0.5% QoQ	$-41.7M	$146.3M +0.2% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	38%
Deposits	$108.2M -11.1% YoY-1.6% QoQ	$-92.5M	$200.7M +0.2% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	16%

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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	0.4% -142.5% YoY-139.6% QoQ	-0.4%	0.9% +12.5% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	23%
NIM	4.0% +15.7% YoY+6.2% QoQ	+0.3%	3.7% +4.5% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	71%
Efficiency Ratio	86.0% -2.9% YoY-7.4% QoQ	+9.3%	76.7% -0.8% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	79%
Delinquency Rate	0.3% -66.7% YoY-22.3% QoQ	-0.6	0.9% +6.6% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	19%
Loan To Share	96.6% +3.0% YoY+1.1% QoQ	+25.1%	71.5% -0.3% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	Top 4.6% in tier
AMR	$22,927 -9.2% YoY-2.3% QoQ	$-2K	$25,107 +3.2% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	50%
CD Concentration	34.3% -5.2% YoY+0.3% QoQ	+9.7%	24.6%	21.6%	20.0%	50%
Indirect Auto %	17.3% -21.1% YoY-10.1% QoQ	+3.7%	13.6%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (10)

Shrinking Wallet Share

decline

#20 of 223 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -9.18%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Capital Constraint

risk

#3 of 19 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 96.63%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Deposit Growth (YoY): -11.11%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Net Worth Ratio: 9.28%

(Tier: 12.53%, National: 14.66%)

worse than tier avg

19 of 1024 Mid-Small & Community CUs have this signature | 27 nationally

→ Stable (23→19 CUs) -4 CUs YoY | New qualifier

Deposit Outflow

decline

#22 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -11.11%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): -0.71%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#18 of 46 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -0.71%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -9.18%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

46 of 1024 Mid-Small & Community CUs have this signature | 53 nationally

↓ Shrinking -16 CUs YoY | New qualifier

Efficiency Drag

risk

#306 of 531 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 86.00%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 1.45% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -0.71%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Stagnation Risk

risk

#371 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.71%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -8.44%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.31%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Liquidity Strain

risk

#156 of 224 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 96.63%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -8.44%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

Institutional Decline

decline

#186 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $124.27M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -0.71%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -8.44%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Membership Headwinds

decline

#508 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.71%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#467 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -13.77%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 17.32%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -0.71%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 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 1024 peers in tier

Top Strengths (2 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 96.63%

Peer Median: 73.07%

#47 of 1024 Top 4.5% in 100M-500M tier

196

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Median: 0.71%

#196 of 1024 Top 19.0% in 100M-500M tier

Top Weaknesses (13 metrics)

1021

Asset Growth Rate

growth

Value: -13.77%

Peer Median: 4.12%

#1021 of 1024 Bottom 0.4% in 100M-500M tier

1019

Deposit Growth Rate

growth

Value: -11.11%

Peer Median: 3.58%

#1019 of 1024 Bottom 0.6% in 100M-500M tier

1007

AMR Growth Rate

growth

Value: -9.18%

Peer Median: 3.53%

#1007 of 1024 Bottom 1.8% in 100M-500M tier

985

Loan Growth Rate

growth

Value: -8.44%

Peer Median: 3.02%

#985 of 1024 Bottom 3.9% in 100M-500M tier

976

Members Per Employee (MPE)

engagement

Value: 201.826

Peer Median: 310.924

#976 of 1024 Bottom 4.8% in 100M-500M tier

965

Net Charge-Off Rate

risk

Value: 1.26%

Peer Median: 0.34%

#965 of 1024 Bottom 5.9% in 100M-500M tier

875

Net Worth Ratio

risk

Value: 9.28%

Peer Median: 11.71%

#875 of 1024 Bottom 14.6% in 100M-500M tier

867

Total Assets

balance_sheet

Value: $124.27M

Peer Median: $196.38M

#867 of 1024 Bottom 15.4% in 100M-500M tier

862

Total Deposits

balance_sheet

Value: $108.25M

Peer Median: $170.77M

#862 of 1024 Bottom 15.9% in 100M-500M tier

842

Share Certificate Concentration (%)

balance_sheet

Value: 34.28%

Peer Median: 23.39%

#842 of 1024 Bottom 17.9% in 100M-500M tier