BlastPoint's Credit Union Scorecard
TEXAS BAY
Charter #67465 · TX
TEXAS BAY has 2 strengths but faces 8 concerns
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 27.0% in tier
- + Net Interest Margin 0.10% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 11.5% in tier
- - Efficiency Drag: Bottom 27.9% in tier
- - Indirect Auto Dependency: Bottom 55.4% in tier
- - Membership Headwinds: Bottom 66.5% in tier
- - Stagnation Risk: Bottom 66.5% in tier
- - ROA 0.57% below tier average
- - Efficiency ratio 8.91% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 2.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 10 that size in Texas.
- Shares and deposits +4.0% year over year ($763M in shares and deposits).
- Membership: 59,863 members, -1.2% vs a year ago.
- Delinquency rate 0.55%.
- Return on assets 0.27%.
- Efficiency ratio 83.44% vs a 74.54% peer average.
- Loan-to-share ratio 93.15% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
59,863
-1.2% YoY-2.0% QoQ
|
+7.4K |
52,482
+1.3% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
72% |
| Assets |
$905.0M
+3.6% YoY+0.3% QoQ
|
+$41.1M |
$863.9M
+0.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
64% |
| Loans |
$711.2M
+6.2% YoY+4.3% QoQ
|
+$103.4M |
$607.8M
+2.1% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
79% |
| Deposits |
$763.5M
+4.0% YoY+0.6% QoQ
|
+$23.6M |
$739.9M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
63% |
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| ROA |
0.3%
-47.7% YoY+58.7% QoQ
|
-0.6% |
0.8%
+30.4% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
16% |
| NIM |
3.6%
-1.4% YoY+1.9% QoQ
|
+0.1% |
3.5%
+6.2% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
83.4%
+9.5% YoY-2.7% QoQ
|
+8.9% |
74.5%
-1.4% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
0.5%
-30.5% YoY-14.1% QoQ
|
-0.2 |
0.8%
+1.0% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
38% |
| Loan To Share |
93.1%
+2.1% YoY+3.6% QoQ
|
+10.5% |
82.6%
+1.9% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$24,633
+6.4% YoY+4.5% QoQ
|
$-4K |
$28,702
+0.4% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
40% |
| CD Concentration |
47.8%
+1.9% YoY-1.6% QoQ
|
+23.2% | 24.6% | 21.6% | 20.0% | Top 2.0% in tier |
| Indirect Auto % |
23.5%
-0.8% YoY-1.1% QoQ
|
+9.9% | 13.6% | 6.9% | 7.7% | 76% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)