TEXAS HEALTH
Charter #67452 | TX
100M-500M
(1077 CUs)
Micro
($0-$500M)
79 100M-500M in TX
TEXAS HEALTH has 8 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 18.6% in tier
- + 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
- - Liquidity Overhang: Bottom 19.9% 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
|
26th in tier |
| 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
|
Bottom 21.2% in tier |
| 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
|
27th in tier |
| 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
|
68th in tier |
| 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
|
62nd in tier |
| 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
|
30th in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growth
#350 of 627 • Top 18.6% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.03%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.36%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Concerns (6)
Credit Quality Pressure
risk
#78 of 736 • Bottom 3.1% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.73% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Stagnation Risk
risk
#120 of 550 • Bottom 7.2% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
1.03%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.36%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$41.4K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
7.44%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Liquidity Overhang
risk
#309 of 552 • Bottom 19.9% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
12.87%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
64.53%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank improving
Institutional Decline
decline
#194 of 256 • Bottom 24.5% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$139.30M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-1.36%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-6.82%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Membership Headwinds
decline
#419 of 550 • Bottom 25.4% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.36%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Margin Compression
decline
#128 of 136 • Bottom 30.3% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
1.03%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.11% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$139.30M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
59
Average Member Relationship (AMR)
engagement
Value:
$41,383
Peer Avg: $24,363
#59 of 1077
Top 5.4% in 100M-500M tier
79
Share Certificate Concentration (%)
balance_sheet
Value:
7.44%
Peer Avg: 23.61%
#79 of 1077
Top 7.2% in 100M-500M tier
85
Loan-to-Member Ratio (LMR)
engagement
Value:
$16,231
Peer Avg: $10,245
#85 of 1077
Top 7.8% in 100M-500M tier
97
Efficiency Ratio
profitability
Value:
60.49%
Peer Avg: 77.28%
#97 of 1077
Top 8.9% in 100M-500M tier
Top Weaknesses (9 metrics)
1049
Total Members
engagement
Value:
4,849
Peer Avg: 15,628
#1049 of 1077
Bottom 2.7% in 100M-500M tier
1007
Total Delinquency Rate (60+ days)
risk
Value:
2.01%
Peer Avg: 0.86%
#1007 of 1077
Bottom 6.6% in 100M-500M tier
995
Loan Growth Rate
growth
Value:
-6.82%
Peer Avg: 3.45%
#995 of 1077
Bottom 7.7% in 100M-500M tier
969
First Mortgage Concentration (%)
balance_sheet
Value:
53.70%
Peer Avg: 30.43%
#969 of 1077
Bottom 10.1% in 100M-500M tier
893
Fee Income Per Member
profitability
Value:
$104.72
Peer Avg: $174.31
#893 of 1077
Bottom 17.2% in 100M-500M tier
885
Net Charge-Off Rate
risk
Value:
0.74%
Peer Avg: 0.47%
#885 of 1077
Bottom 17.9% in 100M-500M tier
862
Members Per Employee (MPE)
engagement
Value:
255.211
Peer Avg: 332.881
#862 of 1077
Bottom 20.1% in 100M-500M tier
849
Total Loans
balance_sheet
Value:
$78.70M
Peer Avg: $147.80M
#849 of 1077
Bottom 21.3% in 100M-500M tier
815
AMR Growth Rate
growth
Value:
0.33%
Peer Avg: 3.64%
#815 of 1077
Bottom 24.4% in 100M-500M tier