BlastPoint's Credit Union Scorecard
TEXAS HEALTH
Charter #67452 · TX
TEXAS HEALTH has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 0.08% above tier average
- + Net Interest Margin 0.07% above tier average
- + Average Member Relationship (AMR): Top 5.1% in tier
- + Share Certificate Concentration (%): Top 6.2% in tier
- + Efficiency Ratio: Top 8.7% in tier
- + Loan-to-Member Ratio (LMR): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Delinquency rate 1.35% above tier average
- - Total Members: Bottom 2.7% in tier
- - Loan Growth Rate: Bottom 3.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,834
-1.9% YoY-0.3% QoQ
|
-10.6K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 2.6% in tier |
| Assets |
$144.4M
+8.5% YoY+3.6% QoQ
|
$-87.5M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$75.8M
-9.6% YoY-3.7% QoQ
|
$-71.5M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$127.1M
+9.0% YoY+4.2% QoQ
|
$-73.7M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
0.8%
-29.2% YoY-18.0% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
3.7%
-1.9% YoY-3.0% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
61.3%
+0.5% YoY+1.4% QoQ
|
-15.7% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 8.7% in tier |
| Delinquency Rate |
2.2%
+13.9% YoY+11.7% QoQ
|
+1.4 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 5.7% in tier |
| Loan To Share |
59.6%
-17.0% YoY-7.6% QoQ
|
-12.6% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$41,973
+3.2% YoY+1.4% QoQ
|
+$17K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Top 5.1% in tier |
| CD Concentration |
6.9%
+59.3% YoY-6.7% QoQ
|
-17.5% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)