BlastPoint's Credit Union Scorecard

TEMPLE-INLAND

Charter #6726 · TX

<100M
2508 CUs in <100M nationally 237 in TX

TEMPLE-INLAND demonstrates 1 strength

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.55% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 1,700
+1.7% YoY+0.9% QoQ
-976 2,676
+1.6% YoY
29,039
+7.4% YoY
33,913
+5.7% YoY
45%
Assets $20.2M
+1.6% YoY-0.2% QoQ
$-10.0M $30.2M
+1.3% YoY
$450.8M
+10.3% YoY
$578.3M
+9.0% YoY
48%
Loans $7.6M
+5.6% YoY+1.5% QoQ
$-7.7M $15.3M
-2.0% YoY
$318.1M
+8.9% YoY
$402.4M
+8.7% YoY
44%
Deposits $16.9M
+0.1% YoY-0.6% QoQ
$-8.9M $25.8M
+0.7% YoY
$378.7M
+10.8% YoY
$494.3M
+9.1% YoY
48%

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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 0.7%
+52.8% YoY-42.7% QoQ
+0.5% 0.1%
-77.6% YoY
-0.2%
-134.7% YoY
0.4%
-39.2% YoY
55%
NIM 2.7%
+37.0% YoY+8.0% QoQ
-1.3% 4.0%
+4.0% YoY
3.9%
-0.7% YoY
3.8%
+4.1% YoY
Bottom 11.7% in tier
Efficiency Ratio 77.2%
-9.5% YoY+14.1% QoQ
-13.5% 90.6%
+6.5% YoY
98.7%
+20.4% YoY
84.6%
+2.8% YoY
39%
Delinquency Rate 0.2% -1.3 1.5%
+3.8% YoY
1.2%
+13.1% YoY
1.2%
+3.4% YoY
30%
Loan To Share 45.1%
+5.4% YoY+2.1% QoQ
-13.4% 58.5%
-3.0% YoY
69.5%
-2.6% YoY
65.6%
-1.4% YoY
29%
AMR $14,385
+0.1% YoY-0.8% QoQ
$-499 $14,884
-1.7% YoY
$17,820
+2.9% YoY
$19,920
+1.6% YoY
52%
CD Concentration 1.1%
+104.1% YoY+1.0% QoQ
-23.2% 24.3% 21.3% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 6.9% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
470
Loan Growth Rate
growth
Value: 5.55%
Peer Median: -2.36%
#470 of 2508 Top 18.7% in <100M tier
471
Member Growth Rate
growth
Value: 1.67%
Peer Median: -1.37%
#471 of 2508 Top 18.7% in <100M tier
475
Fee Income Per Member
profitability
Value: $125.59
Peer Median: $60.42
#475 of 2508 Top 18.9% in <100M tier
621
Members Per Employee (MPE)
engagement
Value: 425.000
Peer Median: 333.750
#621 of 2508 Top 24.7% in <100M tier

Top Weaknesses (1 metrics)

2214
Net Interest Margin (NIM)
profitability
Value: 2.73%
Peer Median: 3.83%
#2214 of 2508 Bottom 11.8% in <100M tier
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