BlastPoint's Credit Union Scorecard
CENTEX CITIZENS
Charter #67416 · TX
CENTEX CITIZENS has 10 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 0.2% in tier
- + Organic Growth Engine: Top 2.2% in tier
- + Emerging Performer: Top 6.6% in tier
- + ROA 0.42% above tier average
- + Net Interest Margin 0.84% above tier average
- + Strong member growth: 37.9% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.6% in tier
- + Net Worth Ratio: Top 6.8% in tier
- + Deposit Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 1.9% in tier
- - Liquidity Overhang: Bottom 59.0% in tier
- - Efficiency ratio 1.94% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 0.6% in tier
- - Average Member Relationship (AMR): Bottom 0.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.3% in tier
- - Total Deposits: Bottom 5.9% in tier
- - Total Assets: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,489
+37.9% YoY+38.6% QoQ
|
+51 |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$114.1M
+10.2% YoY+1.2% QoQ
|
$-117.8M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.2% in tier |
| Loans |
$66.9M
+2.1% YoY+0.4% QoQ
|
$-80.4M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.8% in tier |
| Deposits |
$93.8M
+11.1% YoY+1.1% QoQ
|
$-107.0M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.8% in tier |
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| ROA |
1.2%
-4.8% YoY+4.9% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
4.4%
-4.6% YoY-0.7% QoQ
|
+0.8% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 10.7% in tier |
| Efficiency Ratio |
79.0%
+4.5% YoY-1.3% QoQ
|
+1.9% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.3%
-53.1% YoY+40.3% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
17% |
| Loan To Share |
71.4%
-8.1% YoY-0.7% QoQ
|
-0.9% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$10,374
-22.3% YoY-27.3% QoQ
|
$-14K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.5% in tier |
| CD Concentration |
24.1%
-0.1% YoY-4.7% QoQ
|
-0.3% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—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)