BlastPoint's Credit Union Scorecard
HIGHWAY EMPLOYEES
Charter #67474 · TX
<100M
2508 CUs in <100M nationally
237 in TX
HIGHWAY EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.62% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Efficiency ratio 13.38% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 2.5% in tier
- - AMR Growth Rate: Bottom 2.6% in tier
- - Total Deposits: Bottom 8.1% in tier
- - Total Assets: Bottom 8.5% in tier
- - Average Member Relationship (AMR): Bottom 8.5% in tier
- - Asset Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
431
-1.8% YoY-1.6% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Bottom 11.8% in tier |
| Assets |
$1.8M
-7.3% YoY-4.9% QoQ
|
$-28.4M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.5% in tier |
| Loans |
$776,734
-30.7% YoY-15.2% QoQ
|
$-14.5M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.6% in tier |
| Deposits |
$1.3M
-7.7% YoY-6.4% QoQ
|
$-24.5M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.0% in tier |
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| ROA |
-0.2%
-118.3% YoY-126.3% QoQ
|
-0.3% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
18% |
| NIM |
4.6%
-14.9% YoY-12.5% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
80% |
| Efficiency Ratio |
104.0%
+27.8% YoY+21.8% QoQ
|
+13.4% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.2% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
61.0%
-24.9% YoY-9.4% QoQ
|
+2.5% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$4,755
-16.5% YoY-8.5% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.5% in tier |
| CD Concentration |
1.1%
+8.3% YoY+6.9% QoQ
|
-23.2% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
172
Net Worth Ratio
risk
Value:
28.76%
Peer Median: 14.28%
#172 of 2508
Top 6.8% in <100M tier
492
Net Interest Margin (NIM)
profitability
Value:
4.63%
Peer Median: 3.83%
#492 of 2508
Top 19.6% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
627
Share Certificate Concentration (%)
balance_sheet
Value:
1.10%
Peer Median: 12.45%
#627 of 2508
Top 25.0% in <100M tier
Top Weaknesses (14 metrics)
2447
Loan Growth Rate
growth
Value:
-30.70%
Peer Median: -2.36%
#2447 of 2508
Bottom 2.5% in <100M tier
2443
AMR Growth Rate
growth
Value:
-16.49%
Peer Median: 1.27%
#2443 of 2508
Bottom 2.6% in <100M tier
2307
Total Deposits
balance_sheet
Value:
$1.27M
Peer Median: $18.77M
#2307 of 2508
Bottom 8.1% in <100M tier
2296
Total Assets
balance_sheet
Value:
$1.79M
Peer Median: $21.86M
#2296 of 2508
Bottom 8.5% in <100M tier
2295
Average Member Relationship (AMR)
engagement
Value:
$4,755
Peer Median: $13,926
#2295 of 2508
Bottom 8.5% in <100M tier
2294
Asset Growth Rate
growth
Value:
-7.28%
Peer Median: 1.30%
#2294 of 2508
Bottom 8.6% in <100M tier
2267
Total Loans
balance_sheet
Value:
$776,734
Peer Median: $9.48M
#2267 of 2508
Bottom 9.6% in <100M tier
2242
Deposit Growth Rate
growth
Value:
-7.69%
Peer Median: 0.66%
#2242 of 2508
Bottom 10.6% in <100M tier
2223
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,802
Peer Median: $4,923
#2223 of 2508
Bottom 11.4% in <100M tier
2211
Total Members
engagement
Value:
431
Peer Median: 1,918
#2211 of 2508
Bottom 11.9% in <100M tier