BlastPoint's Credit Union Scorecard
TEXAS BAY
Charter #67465 · TX
TEXAS BAY has 3 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 20.9% 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
|
70% |
| 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
|
56% |
| 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
|
74% |
| 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
|
47% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| 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
|
38% |
| 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
|
71% |
| 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
|
38% |
| 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
|
66% |
| 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
|
79% |
| 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
|
38% |
| 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%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
77% |
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)