BlastPoint's Credit Union Scorecard

TELCO PLUS

Charter #66351 · TX

100M-500M

1069 CUs in 100M-500M nationally 79 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 0.24% above tier average
+ Loan-to-Share Ratio: Top 2.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 2.86% below tier average
- Efficiency ratio 11.17% above tier (higher cost structure)
- Net Charge-Off Rate: Bottom 0.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	9,191 +2.3% YoY-0.9% QoQ	-6.2K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	25%
Assets	$132.8M -2.0% YoY-4.9% QoQ	$-99.1M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	22%
Loans	$110.3M +0.1% YoY-2.8% QoQ	$-37.0M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	42%
Deposits	$110.1M -2.1% YoY-6.3% QoQ	$-90.7M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	18%

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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	-2.1% +52.5% QoQ	-2.9%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	Bottom 0.2% in tier
NIM	3.8% +8.3% YoY+7.1% QoQ	+0.2%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	64%
Efficiency Ratio	88.2% +5.8% YoY-3.6% QoQ	+11.2%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	Bottom 13.8% in tier
Delinquency Rate	0.6% -73.8% YoY-67.3% QoQ	-0.3	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	41%
Loan To Share	100.2% +2.3% YoY+3.7% QoQ	+27.9%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	Top 2.6% in tier
AMR	$23,983 -3.2% YoY-3.8% QoQ	$-693	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	58%
CD Concentration	33.4% -18.7% YoY-7.7% QoQ	+9.0%	24.4%	21.2%	19.8%	50%
Indirect Auto %	20.9% +13.5% YoY-5.2% QoQ	+7.1%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Liquidity Strain

risk

#91 of 228 • 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: 100.15%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 0.14%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#88 of 208 • 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): -3.19%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Efficiency Drag

risk

#333 of 538 • 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: 88.18%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -2.11% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 2.28%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Deposit Outflow

decline

#46 of 69 • 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): -2.07%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 2.28%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Indirect Auto Dependency

risk

#497 of 506 • 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): -2.04%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 20.92%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 2.28%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (3 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 100.15%

Peer Median: -

#28 of 1069 Top 2.5% in 100M-500M tier

261

Loan-to-Member Ratio (LMR)

engagement

Value: $12,001

Peer Median: -

#261 of 1069 Top 24.3% in 100M-500M tier

265

Member Growth Rate

growth

Value: 2.28%

Peer Median: -

#265 of 1069 Top 24.7% in 100M-500M tier

Top Weaknesses (12 metrics)

1067

Return on Assets (ROA)

profitability

Value: -2.10%

Peer Median: -

#1067 of 1069 Bottom 0.3% in 100M-500M tier

1066

Net Charge-Off Rate

risk

Value: 3.13%

Peer Median: -

#1066 of 1069 Bottom 0.4% in 100M-500M tier

1034

Members Per Employee (MPE)

engagement

Value: 195.553

Peer Median: -

#1034 of 1069 Bottom 3.4% in 100M-500M tier

995

AMR Growth Rate

growth

Value: -3.19%

Peer Median: -

#995 of 1069 Bottom 7.0% in 100M-500M tier

978

Asset Growth Rate

growth

Value: -2.04%

Peer Median: -

#978 of 1069 Bottom 8.6% in 100M-500M tier

978

Deposit Growth Rate

growth

Value: -2.07%

Peer Median: -

#978 of 1069 Bottom 8.6% in 100M-500M tier

941

Net Worth Ratio

risk

Value: 8.89%

Peer Median: -

#941 of 1069 Bottom 12.1% in 100M-500M tier

923

Efficiency Ratio

profitability

Value: 88.18%

Peer Median: -

#923 of 1069 Bottom 13.8% in 100M-500M tier

880

Total Deposits

balance_sheet

Value: $110.13M

Peer Median: -

#880 of 1069 Bottom 17.8% in 100M-500M tier

864

Share Certificate Concentration (%)

balance_sheet

Value: 33.43%

Peer Median: -

#864 of 1069 Bottom 19.3% in 100M-500M tier