BlastPoint's Credit Union Scorecard
TXDOT
Charter #67439 · TX
TXDOT demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.62% above tier average
- + Net Interest Margin 0.09% above tier average
- + Loan-to-Share Ratio: Top 2.6% in tier
- + Members Per Employee (MPE): Top 6.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,865
+1.8% YoY+0.9% QoQ
|
-750 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$17.0M
+2.5% YoY+1.8% QoQ
|
$-13.2M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$14.5M
+5.4% YoY+1.4% QoQ
|
$-1.3M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$13.9M
+1.6% YoY+2.0% QoQ
|
$-11.8M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
1.2%
+35.3% YoY+11.9% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
4.0%
+8.2% YoY-2.7% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
63.0%
-8.5% YoY-3.1% QoQ
|
-19.6% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 15.0% in tier |
| Delinquency Rate |
0.4%
-12.5% YoY+65.0% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
104.7%
+3.8% YoY-0.6% QoQ
|
+44.1% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 2.7% in tier |
| AMR |
$15,205
+1.7% YoY+0.8% QoQ
|
+$422 |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
32.1%
-9.8% YoY+5.9% QoQ
|
+7.7% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)