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BlastPoint's Credit Union Scorecard

THD DISTRICT 17

Charter #67480 · TX

<100M
2508 CUs in <100M nationally 237 in TX

THD DISTRICT 17 has 2 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Deposit Growth Rate: Top 4.4% in tier
  • + Asset Growth Rate: Top 7.0% in tier

Key Concerns

Areas that may need attention

  • - ROA 1.45% below tier average
  • - Delinquency rate 1.15% above tier average
  • - Loan Growth Rate: Bottom 6.7% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 495
+0.8% YoY-0.8% QoQ
-2.2K 2,676
+1.6% YoY
29,039
+7.4% YoY
33,913
+5.7% YoY
Bottom 13.7% in tier
Assets $4.3M
+10.3% YoY+1.1% QoQ
$-25.9M $30.2M
+1.3% YoY
$450.8M
+10.3% YoY
$578.3M
+9.0% YoY
16%
Loans $1.7M
-19.6% YoY-2.9% QoQ
$-13.6M $15.3M
-2.0% YoY
$318.1M
+8.9% YoY
$402.4M
+8.7% YoY
16%
Deposits $3.4M
+13.4% YoY+1.7% QoQ
$-22.3M $25.8M
+0.7% YoY
$378.7M
+10.8% YoY
$494.3M
+9.1% YoY
17%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA -1.3%
-385.6% YoY-993.2% QoQ
-1.5% 0.1%
-77.6% YoY
-0.2%
-134.7% YoY
0.4%
-39.2% YoY
Bottom 7.1% in tier
NIM 4.0%
+7.7% YoY+23.0% QoQ
+0.0% 4.0%
+4.0% YoY
3.9%
-0.7% YoY
3.8%
+4.1% YoY
59%
Efficiency Ratio 74.8%
-15.3% YoY-21.9% QoQ
-15.8% 90.6%
+6.5% YoY
98.7%
+20.4% YoY
84.6%
+2.8% YoY
34%
Delinquency Rate 2.7%
-48.8% YoY+284.3% QoQ
+1.2 1.5%
+3.8% YoY
1.2%
+13.1% YoY
1.2%
+3.4% YoY
Bottom 13.4% in tier
Loan To Share 48.1%
-29.1% YoY-4.5% QoQ
-10.4% 58.5%
-3.0% YoY
69.5%
-2.6% YoY
65.6%
-1.4% YoY
33%
AMR $10,277
-0.7% YoY+1.0% QoQ
$-5K $14,884
-1.7% YoY
$17,820
+2.9% YoY
$19,920
+1.6% YoY
30%
CD Concentration 0.0% -24.3% 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)

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

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
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 12.45%
#1 of 2508 Top 0.1% in <100M tier
111
Deposit Growth Rate
growth
Value: 13.43%
Peer Median: 0.66%
#111 of 2508 Top 4.4% in <100M tier
176
Asset Growth Rate
growth
Value: 10.27%
Peer Median: 1.30%
#176 of 2508 Top 7.0% 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
614
Net Worth Ratio
risk
Value: 19.34%
Peer Median: 14.28%
#614 of 2508 Top 24.4% in <100M tier

Top Weaknesses (9 metrics)

2342
Loan Growth Rate
growth
Value: -19.63%
Peer Median: -2.36%
#2342 of 2508 Bottom 6.7% in <100M tier
2330
Return on Assets (ROA)
profitability
Value: -1.30%
Peer Median: 0.61%
#2330 of 2508 Bottom 7.1% in <100M tier
2229
Members Per Employee (MPE)
engagement
Value: 165.000
Peer Median: 333.750
#2229 of 2508 Bottom 11.2% in <100M tier
2174
Total Delinquency Rate (60+ days)
risk
Value: 2.66%
Peer Median: 0.65%
#2174 of 2508 Bottom 13.4% in <100M tier
2165
Total Members
engagement
Value: 495
Peer Median: 1,918
#2165 of 2508 Bottom 13.7% in <100M tier
2112
Total Loans
balance_sheet
Value: $1.65M
Peer Median: $9.48M
#2112 of 2508 Bottom 15.8% in <100M tier
2098
Total Assets
balance_sheet
Value: $4.27M
Peer Median: $21.86M
#2098 of 2508 Bottom 16.4% in <100M tier
2078
Total Deposits
balance_sheet
Value: $3.43M
Peer Median: $18.77M
#2078 of 2508 Bottom 17.2% in <100M tier
1974
Fee Income Per Member
profitability
Value: $11.52
Peer Median: $60.42
#1974 of 2508 Bottom 21.3% in <100M tier
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