BlastPoint's Credit Union Scorecard
TEXAS HEALTH
Charter #67452 · TX
TEXAS HEALTH has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 0.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 5.4% in tier
- + Share Certificate Concentration (%): Top 7.2% in tier
- + Loan-to-Member Ratio (LMR): Top 7.8% in tier
- + Efficiency Ratio: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.1% in tier
- - Stagnation Risk: Bottom 7.2% in tier
- - Institutional Decline: Bottom 24.5% in tier
- - Membership Headwinds: Bottom 25.4% in tier
- - Margin Compression: Bottom 30.3% in tier
- - Delinquency rate 1.15% above tier average
- - Total Members: Bottom 2.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.6% in tier
- - Loan Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,849
-1.4% YoY-1.1% QoQ
|
-10.8K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 2.6% in tier |
| Assets |
$139.3M
+5.0% YoY+2.5% QoQ
|
$-92.0M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
26% |
| Loans |
$78.7M
-6.8% YoY-2.3% QoQ
|
$-69.1M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
21% |
| Deposits |
$122.0M
+3.1% YoY+2.5% QoQ
|
$-78.3M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
27% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
-9.6% YoY-17.6% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
3.8%
+2.7% YoY-1.4% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
60.5%
-1.3% YoY+0.3% QoQ
|
-16.8% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.9% in tier |
| Delinquency Rate |
2.0%
+57.0% YoY+4.8% QoQ
|
+1.2 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 6.6% in tier |
| Loan To Share |
64.5%
-9.6% YoY-4.7% QoQ
|
-8.2% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$41,383
+0.3% YoY+1.6% QoQ
|
+$17K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Top 5.5% in tier |
| CD Concentration |
7.4%
+79.0% YoY+34.3% QoQ
|
-17.0% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)