BlastPoint's Credit Union Scorecard

TEXAS BAY

Charter #67465 · TX

Community 750M-1B

117 CUs in 750M-1B nationally 12 in TX

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TEXAS BAY has 1 strength but faces 6 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.09% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 25.0% in tier
- Indirect Auto Dependency: Bottom 52.8% in tier
- ROA 0.59% below tier average
- Efficiency ratio 10.22% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 2.6% in tier
- Net Worth Ratio: Bottom 6.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	61,095 +2.5% YoY+0.9% QoQ	+9.6K	51,500 +0.7% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	77%
Assets	$902.2M +3.8% YoY+1.3% QoQ	+$36.6M	$865.6M +0.9% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	62%
Loans	$682.1M +6.3% YoY-0.1% QoQ	+$86.8M	$595.3M +1.6% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	74%
Deposits	$758.6M +4.0% YoY+2.1% QoQ	+$16.4M	$742.2M +0.6% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	62%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -63.6% YoY-74.0% QoQ	-0.6%	0.8% +45.0% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 11.1% in tier
NIM	3.5% -2.5% YoY-4.2% QoQ	+0.1%	3.5% +6.1% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	55%
Efficiency Ratio	85.8% +18.2% YoY+16.1% QoQ	+10.2%	75.5% -3.4% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	83%
Delinquency Rate	0.6% -29.0% YoY-4.6% QoQ	+0.0	0.7% -0.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	57%
Loan To Share	89.9% +2.2% YoY-2.1% QoQ	+9.3%	80.6% +0.7% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	75%
AMR	$23,581 +2.4% YoY+0.1% QoQ	$-5K	$28,908 +0.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	33%
CD Concentration	48.6% +3.3% YoY+1.5% QoQ	+24.3%	24.3%	21.3%	19.8%	Top 1.9% in tier
Indirect Auto %	23.8% +2.9% YoY+0.6% QoQ	+10.0%	13.8%	6.9%	7.7%	76%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Efficiency Drag

risk

#374 of 596 • Bottom 25.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.75%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.30% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 2.54%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#384 of 504 • Bottom 52.8% in tier

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

Why This Signature

Asset Growth (YoY): 3.78%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 23.77%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.54%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (4 metrics)

Fee Income Per Member

profitability

Value: $265.04

Peer Median: $187.56

#24 of 117 Top 19.7% in 750M-1B tier

Total Members

engagement

Value: 61,095

Peer Median: 51,712

#27 of 117 Top 22.2% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 89.91%

Peer Median: 84.41%

#29 of 117 Top 23.9% in 750M-1B tier

Total Loans

balance_sheet

Value: $682.07M

Peer Median: $618.21M

#30 of 117 Top 24.8% in 750M-1B tier

Top Weaknesses (5 metrics)

115

Share Certificate Concentration (%)

balance_sheet

Value: 48.60%

Peer Median: 26.77%

#115 of 117 Bottom 2.6% in 750M-1B tier

111

Net Worth Ratio

risk

Value: 7.65%

Peer Median: 10.69%

#111 of 117 Bottom 6.0% in 750M-1B tier

105

Net Charge-Off Rate

risk

Value: 1.26%

Peer Median: 0.47%

#105 of 117 Bottom 11.1% in 750M-1B tier

104

Return on Assets (ROA)

profitability

Value: 0.17%

Peer Median: 0.63%

#104 of 117 Bottom 12.0% in 750M-1B tier

Efficiency Ratio

profitability

Value: 85.75%

Peer Median: 77.38%

#98 of 117 Bottom 17.1% in 750M-1B tier