BlastPoint's Credit Union Scorecard
TXDOT
Charter #67439 · TX
TXDOT has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.13% above tier average
- + Loan-to-Share Ratio: Top 5.1% in tier
- + Deposit Growth Rate: Top 5.5% in tier
- + Asset Growth Rate: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
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 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +12.4% year over year ($15.0M in shares and deposits).
- Membership: 1,883 members, +2.8% vs a year ago.
- Delinquency rate 0.54%.
- Return on assets 0.98%.
- Efficiency ratio 69.13% vs a 88.77% peer average.
- Loan-to-share ratio 95.74% vs a 58.89% 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 |
1,883
+2.8% YoY+0.4% QoQ
|
-702 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
50% |
| Assets |
$18.2M
+10.6% YoY+3.4% QoQ
|
$-12.0M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
46% |
| Loans |
$14.4M
+3.3% YoY+0.3% QoQ
|
$-1.1M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
61% |
| Deposits |
$15.0M
+12.4% YoY+4.0% QoQ
|
$-10.8M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
45% |
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| ROA |
1.0%
+17.7% YoY+8.6% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
59% |
| NIM |
4.0%
-0.2% YoY-1.5% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
58% |
| Efficiency Ratio |
69.1%
+1.2% YoY+0.3% QoQ
|
-19.6% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
0.5%
+228.9% YoY+642.4% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
43% |
| Loan To Share |
95.7%
-8.1% YoY-3.5% QoQ
|
+36.8% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 5.3% in tier |
| AMR |
$15,599
+4.7% YoY+1.7% QoQ
|
+$637 |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
58% |
| CD Concentration |
33.4%
+5.7% YoY+4.5% QoQ
|
+8.8% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)