BlastPoint's Credit Union Scorecard

CENTEX CITIZENS

Charter #67416 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

CENTEX CITIZENS has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

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 0.26% above tier average
+ Net Interest Margin 0.55% above tier average
+ Strong member growth: 38.2% YoY
+ Member Growth Rate: Top 0.7% in tier
+ Net Worth Ratio: Top 7.3% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Efficiency ratio 2.50% above tier (higher cost structure)
- Average Member Relationship (AMR): Bottom 0.5% in tier
- AMR Growth Rate: Bottom 0.7% in tier
- Loan-to-Member Ratio (LMR): Bottom 2.2% in tier
- Total Deposits: Bottom 8.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	15,617 +38.2% YoY+0.8% QoQ	+471	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	61%
Assets	$117.7M +8.3% YoY+3.2% QoQ	$-114.0M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Bottom 12.3% in tier
Loans	$64.5M -1.2% YoY-3.6% QoQ	$-79.6M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Bottom 13.6% in tier
Deposits	$97.0M +8.7% YoY+3.5% QoQ	$-104.1M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Bottom 8.6% in tier

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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	1.0% +10.8% YoY-16.3% QoQ	+0.3%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	69%
NIM	4.2% -7.7% YoY-5.8% QoQ	+0.6%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	82%
Efficiency Ratio	80.5% -0.7% YoY+2.0% QoQ	+2.5%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	57%
Delinquency Rate	0.2% -11.4% YoY-27.5% QoQ	-0.5	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	15%
Loan To Share	66.5% -9.1% YoY-6.8% QoQ	-3.9%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	39%
AMR	$10,346 -24.4% YoY-0.3% QoQ	$-15K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	Bottom 0.4% in tier
CD Concentration	24.0% +5.5% YoY-0.6% QoQ	-0.3%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#4 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 38.15%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#16 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 38.15%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.99%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#26 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.99%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 38.15%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (3)

Shrinking Wallet Share

decline

#5 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -24.36%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Liquidity Overhang

risk

#81 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.95%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 66.49%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank worsening

Efficiency Drag

risk

#554 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.53%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.10% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 38.15%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Member Growth Rate

growth

Value: 38.15%

Peer Median: -0.06%

#9 of 1070 Top 0.7% in 100M-500M tier

Net Worth Ratio

risk

Value: 16.95%

Peer Median: 11.45%

#79 of 1070 Top 7.3% in 100M-500M tier

107

Members Per Employee (MPE)

engagement

Value: 459.324

Peer Median: 309.176

#107 of 1070 Top 9.9% in 100M-500M tier

147

Deposit Growth Rate

growth

Value: 8.70%

Peer Median: 3.30%

#147 of 1070 Top 13.6% in 100M-500M tier

165

Asset Growth Rate

growth

Value: 8.35%

Peer Median: 3.91%

#165 of 1070 Top 15.3% in 100M-500M tier

166

Total Delinquency Rate (60+ days)

risk

Value: 0.22%

Peer Median: 0.61%

#166 of 1070 Top 15.4% in 100M-500M tier

198

Net Interest Margin (NIM)

profitability

Value: 4.18%

Peer Median: 3.62%

#198 of 1070 Top 18.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1066

Average Member Relationship (AMR)

engagement

Value: $10,346

Peer Median: $22,931

#1066 of 1070 Bottom 0.5% in 100M-500M tier

1064

AMR Growth Rate

growth

Value: -24.36%

Peer Median: 3.46%

#1064 of 1070 Bottom 0.7% in 100M-500M tier

1047

Loan-to-Member Ratio (LMR)

engagement

Value: $4,132

Peer Median: $9,356

#1047 of 1070 Bottom 2.2% in 100M-500M tier

978

Total Deposits

balance_sheet

Value: $97.05M

Peer Median: $171.29M

#978 of 1070 Bottom 8.7% in 100M-500M tier

938

Total Assets

balance_sheet

Value: $117.73M

Peer Median: $196.57M

#938 of 1070 Bottom 12.4% in 100M-500M tier

925

Total Loans

balance_sheet

Value: $64.53M

Peer Median: $121.41M

#925 of 1070 Bottom 13.6% in 100M-500M tier