BlastPoint's Credit Union Scorecard
TEXAS BAY
Charter #67465 · TX
TEXAS BAY has 2 strengths but faces 6 concerns
How does the industry compare?
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 61.6% in tier
- + Net Interest Margin 0.31% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 55.1% in tier
- - Indirect Auto Dependency: Bottom 82.0% in tier
- - ROA 0.08% below tier average
- - Share Certificate Concentration (%): Bottom 2.6% in tier
- - Net Worth Ratio: Bottom 6.0% in tier
- - Net Charge-Off Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
60,529
+3.8% YoY+0.7% QoQ
|
+8.4K |
52,084
-1.6% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$890.7M
+4.3% YoY+1.8% QoQ
|
+$26.8M |
$863.9M
+0.5% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$682.4M
+11.1% YoY-0.1% QoQ
|
+$76.6M |
$605.8M
+1.4% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$742.9M
+5.2% YoY+2.3% QoQ
|
+$5.6M |
$737.3M
+0.1% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
0.7%
+205.0% YoY+26.3% QoQ
|
-0.1% |
0.7%
+39.1% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
3.7%
-3.3% YoY-0.4% QoQ
|
+0.3% |
3.4%
+8.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
73.8%
-3.7% YoY+0.2% QoQ
|
-0.5% |
74.3%
-3.6% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
39% |
| Delinquency Rate |
0.7%
-38.5% YoY-23.8% QoQ
|
-0.2 |
0.9%
+3.8% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
91.9%
+5.7% YoY-2.3% QoQ
|
+9.3% |
82.6%
+1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$23,548
+4.0% YoY+0.4% QoQ
|
$-5K |
$28,873
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
47.9%
+2.6% YoY+1.0% QoQ
|
+23.5% | 24.4% | 21.2% | 19.8% | Top 2.0% in tier |
| Indirect Auto % |
23.6%
+13.1% YoY-2.3% QoQ
|
+9.8% | 13.8% | 7.1% | 7.8% | 76% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)