BlastPoint's Credit Union Scorecard
CENTEX CITIZENS
Charter #67416 · TX
CENTEX CITIZENS has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 46.3% in tier
- + Wallet Share Momentum: Top 71.2% in tier
- + Profitability Leader: Top 99.4% in tier
- + ROA 0.33% above tier average
- + Net Interest Margin 0.89% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 28.2% in tier
- - Liquidity Overhang: Bottom 63.2% in tier
- - Efficiency ratio 2.72% above tier (higher cost structure)
- - Total Deposits: Bottom 5.0% in tier
- - Average Member Relationship (AMR): Bottom 7.5% in tier
- - Total Assets: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,173
-0.4% YoY+0.9% QoQ
|
-4.5K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
36% |
| Assets |
$112.8M
+9.2% YoY+1.5% QoQ
|
$-118.5M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.5% in tier |
| Loans |
$66.6M
+0.8% YoY+0.3% QoQ
|
$-81.2M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.3% in tier |
| Deposits |
$92.7M
+9.8% YoY+1.5% QoQ
|
$-107.6M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.9% in tier |
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| ROA |
1.1%
-10.3% YoY-0.6% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
73% |
| NIM |
4.5%
-3.4% YoY-0.5% QoQ
|
+0.9% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 9.7% in tier |
| Efficiency Ratio |
80.0%
+6.0% YoY+0.6% QoQ
|
+2.7% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.2%
-25.2% YoY-18.8% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 12.5% in tier |
| Loan To Share |
71.9%
-8.1% YoY-1.2% QoQ
|
-0.8% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$14,263
+6.3% YoY+0.1% QoQ
|
$-10K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.4% in tier |
| CD Concentration |
25.3%
+12.8% YoY+6.9% QoQ
|
+0.9% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)