BRAZOS VALLEY SCHOOLS

Charter #66353 | TX

750M-1B (112 CUs) Community (281 CUs)
12 750M-1B in TX

BRAZOS VALLEY SCHOOLS has 8 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 16.5% in tier
  • + Organic Growth Leader: Top 26.2% in tier
  • + Relationship Depth Leader: Top 30.5% in tier
  • + Wallet Share Momentum: Top 35.6% in tier
  • + ROA 0.40% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Assets: Top 0.9% in tier
  • + Total Deposits: Top 1.8% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 10.6% in tier
  • - Delinquency rate 0.26% above tier average
  • - Loan-to-Member Ratio (LMR): Bottom 4.5% in tier
  • - Loan-to-Share Ratio: Bottom 6.2% in tier
  • - Total Loans: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 64,383
+1.2% YoY+0.5% QoQ
 +12.3K 52,114
-2.1% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Top 20.5% in tier
Assets $994.1M
+3.7% YoY+0.4% QoQ
 +$135.1M $859.0M
+0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Top 1.8% in tier
Loans $439.2M
-0.2% YoY+0.5% QoQ
 $-164.2M $603.4M
+1.0% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 8.0% in tier
Deposits $883.6M
+2.9% YoY+0.1% QoQ
 +$149.5M $734.2M
+0.9% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Top 2.7% in tier
ROA 1.1%
+660.7% YoY-5.3% QoQ
 +0.4% 0.7%
+27.6% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Top 23.2% in tier
NIM 3.2%
+15.6% YoY+2.5% QoQ
 -0.2% 3.4%
+9.6% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 34th in tier
Efficiency Ratio 65.8%
-16.5% YoY-3.1% QoQ
 -8.7% 74.5%
-3.2% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Bottom 22.3% in tier
Delinquency Rate 1.1%
+38.1% YoY+14.5% QoQ
 +0.3 0.8%
+5.0% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 73rd in tier
Loan To Share 49.7%
-3.0% YoY+0.4% QoQ
 -33.0% 82.7%
+0.1% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Bottom 5.4% in tier
AMR $20,546
+0.7% YoY-0.3% QoQ
 $-8K $28,651
+2.5% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 17.9% in tier
CD Concentration 27.1%
+3.5% YoY+5.6% QoQ
 +2.7% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 61st in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#304 of 603 • Top 16.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.18%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.11%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#346 of 430 • Top 26.2% in tier

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

Why This Signature
Member Growth (YoY): 1.18%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#840 of 1006 • Top 30.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 0.70%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#983 of 1006 • Top 35.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 0.70%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (1)

Credit Quality Pressure

risk
#264 of 736 • Bottom 10.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.30% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

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 112 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.60%
#1 of 112 Top 0.0% in 750M-1B tier
2
Total Assets
balance_sheet
Value: $994.13M
Peer Avg: $859.01M
#2 of 112 Top 0.9% in 750M-1B tier
3
Total Deposits
balance_sheet
Value: $883.63M
Peer Avg: $734.17M
#3 of 112 Top 1.8% in 750M-1B tier
23
Total Members
engagement
Value: 64,383
Peer Avg: 52,114
#23 of 112 Top 19.6% in 750M-1B tier
26
Return on Assets (ROA)
profitability
Value: 1.11%
Peer Avg: 0.71%
#26 of 112 Top 22.3% in 750M-1B tier
26
Efficiency Ratio
profitability
Value: 65.79%
Peer Avg: 74.52%
#26 of 112 Top 22.3% in 750M-1B tier

Top Weaknesses (6 metrics)

108
Loan-to-Member Ratio (LMR)
engagement
Value: $6,821
Peer Avg: $12,810
#108 of 112 Bottom 4.5% in 750M-1B tier
106
Loan-to-Share Ratio
balance_sheet
Value: 49.70%
Peer Avg: 82.66%
#106 of 112 Bottom 6.2% in 750M-1B tier
103
Total Loans
balance_sheet
Value: $439.17M
Peer Avg: $603.36M
#103 of 112 Bottom 8.9% in 750M-1B tier
96
Net Charge-Off Rate
risk
Value: 1.01%
Peer Avg: 0.61%
#96 of 112 Bottom 15.2% in 750M-1B tier
92
Average Member Relationship (AMR)
engagement
Value: $20,546
Peer Avg: $28,651
#92 of 112 Bottom 18.8% in 750M-1B tier
85
Loan Growth Rate
growth
Value: -0.19%
Peer Avg: 4.84%
#85 of 112 Bottom 25.0% in 750M-1B tier