TEXAS BAY

Charter #67465 | TX

750M-1B (112 CUs) Community (281 CUs)
12 750M-1B in TX

TEXAS BAY has 5 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 18.3% in tier
  • + Organic Growth Engine: Top 20.9% in tier
  • + Relationship Depth Leader: Top 27.3% in tier
  • + Net Interest Margin 0.34% above tier average
  • + Loan Growth Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 10.8% in tier
  • - Indirect Auto Dependency: Bottom 25.3% in tier
  • - ROA 0.19% below tier average
  • - Delinquency rate 0.05% above tier average
  • - Share Certificate Concentration (%): Bottom 2.7% in tier
  • - Net Worth Ratio: Bottom 5.4% in tier
  • - Net Charge-Off Rate: Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 60,104
+4.4% YoY-0.8% QoQ
 +8.0K 52,114
-2.1% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 70th in tier
Assets $874.9M
+4.0% YoY+0.2% QoQ
 +$15.9M $859.0M
+0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 56th in tier
Loans $683.0M
+14.4% YoY+2.0% QoQ
 +$79.7M $603.4M
+1.0% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 74th in tier
Deposits $726.1M
+5.0% YoY-1.1% QoQ
 $-8.1M $734.2M
+0.9% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 47th in tier
ROA 0.5%
+869.3% YoY+0.3% QoQ
 -0.2% 0.7%
+27.6% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 38th in tier
NIM 3.7%
-5.3% YoY+1.5% QoQ
 +0.3% 3.4%
+9.6% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 71st in tier
Efficiency Ratio 73.7%
-4.0% YoY-3.3% QoQ
 -0.8% 74.5%
-3.2% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 38th in tier
Delinquency Rate 0.9%
-8.9% YoY+11.2% QoQ
 +0.1 0.8%
+5.0% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 66th in tier
Loan To Share 94.1%
+8.9% YoY+3.2% QoQ
 +11.4% 82.7%
+0.1% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 21.4% in tier
AMR $23,444
+4.7% YoY+1.2% QoQ
 $-5K $28,651
+2.5% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 38th in tier
CD Concentration 47.4%
+4.2% YoY+1.1% QoQ
 +23.0% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 Top 2.6% in tier
Indirect Auto % 24.2%
+22.4% YoY+2.0% QoQ
 +10.2% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Top 23.2% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#504 of 1006 • Top 18.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.74%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Engine

growth
#383 of 603 • Top 20.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.40%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.52%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 24.20%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Relationship Depth Leader

growth
#754 of 1006 • Top 27.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.74%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.0K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk
#85 of 258 • Bottom 10.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 94.07%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 14.35%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#408 of 525 • Bottom 25.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.96%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 24.20%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.40%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

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)

Comparing against 112 peers in tier

Top Strengths (5 metrics)

11
Loan Growth Rate
growth
Value: 14.35%
Peer Avg: 4.84%
#11 of 112 Top 8.9% in 750M-1B tier
13
Fee Income Per Member
profitability
Value: $318.15
Peer Avg: $204.75
#13 of 112 Top 10.7% in 750M-1B tier
19
Member Growth Rate
growth
Value: 4.40%
Peer Avg: 1.14%
#19 of 112 Top 16.1% in 750M-1B tier
24
Loan-to-Share Ratio
balance_sheet
Value: 94.07%
Peer Avg: 82.66%
#24 of 112 Top 20.5% in 750M-1B tier
29
Total Loans
balance_sheet
Value: $683.04M
Peer Avg: $603.36M
#29 of 112 Top 25.0% in 750M-1B tier

Top Weaknesses (3 metrics)

110
Share Certificate Concentration (%)
balance_sheet
Value: 47.44%
Peer Avg: 28.34%
#110 of 112 Bottom 2.7% in 750M-1B tier
107
Net Worth Ratio
risk
Value: 7.57%
Peer Avg: 11.52%
#107 of 112 Bottom 5.4% in 750M-1B tier
104
Net Charge-Off Rate
risk
Value: 1.43%
Peer Avg: 0.61%
#104 of 112 Bottom 8.0% in 750M-1B tier