BlastPoint's Credit Union Scorecard
CENTEX CITIZENS
Charter #67416 · TX
CENTEX CITIZENS has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.37% above tier average
- + Net Interest Margin 0.55% above tier average
- + Strong member growth: 41.8% YoY
- + Net Charge-Off Rate: Top 0.1% in tier
- + Member Growth Rate: Top 0.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Efficiency ratio 1.19% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 0.2% in tier
- - Average Member Relationship (AMR): Bottom 0.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.1% in tier
- - Total Deposits: Bottom 8.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
- Shares and deposits +7.0% year over year ($97.7M in shares and deposits).
- Membership: 15,702 members, +41.8% vs a year ago.
- Delinquency rate 0.44%.
- Return on assets 1.23%.
- Efficiency ratio 77.92% vs a 76.73% peer average.
- Loan-to-share ratio 65.74% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,702
+41.8% YoY+0.5% QoQ
|
+533 |
15,168
-2.6% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
61% |
| Assets |
$118.9M
+7.0% YoY+1.0% QoQ
|
$-113.2M |
$232.0M
+0.7% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 12.4% in tier |
| Loans |
$64.2M
-3.3% YoY-0.5% QoQ
|
$-82.0M |
$146.3M
+0.2% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.4% in tier |
| Deposits |
$97.7M
+7.0% YoY+0.7% QoQ
|
$-103.0M |
$200.7M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.7% in tier |
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| ROA |
1.2%
+9.0% YoY+25.0% QoQ
|
+0.4% |
0.9%
+12.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
77% |
| NIM |
4.2%
-5.7% YoY+1.3% QoQ
|
+0.6% |
3.7%
+4.5% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
77.9%
-2.0% YoY-3.2% QoQ
|
+1.2% |
76.7%
-0.8% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
52% |
| Delinquency Rate |
0.4%
+61.0% YoY+95.0% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
31% |
| Loan To Share |
65.7%
-9.6% YoY-1.1% QoQ
|
-5.8% |
71.5%
-0.3% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$10,313
-27.6% YoY-0.3% QoQ
|
$-15K |
$25,107
+3.2% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.3% in tier |
| CD Concentration |
21.5%
-9.2% YoY-10.3% QoQ
|
-3.0% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). 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 (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)