BlastPoint's Credit Union Scorecard
THD DISTRICT 17
Charter #67480 · TX
THD DISTRICT 17 has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Efficiency ratio 11.50% above tier (higher cost structure)
- - Delinquency rate 2.63% above tier average
- - Loan Growth Rate: Bottom 2.8% in tier
- - AMR Growth Rate: Bottom 5.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
499
+2.0% YoY+0.8% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 13.8% in tier |
| Assets |
$4.0M
+3.4% YoY+1.5% QoQ
|
$-25.9M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$1.8M
-29.0% YoY+0.0% QoQ
|
$-13.9M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
17% |
| Deposits |
$3.1M
+5.0% YoY+2.0% QoQ
|
$-22.3M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
16% |
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| ROA |
0.3%
-74.8% YoY-21.3% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
3.5%
-7.3% YoY-4.9% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
35% |
| Efficiency Ratio |
92.9%
+24.0% YoY+1.7% QoQ
|
+11.5% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
81% |
| Delinquency Rate |
4.1%
+2494.3% YoY-30.9% QoQ
|
+2.6 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 7.9% in tier |
| Loan To Share |
58.6%
-32.4% YoY-1.9% QoQ
|
-2.6% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
46% |
| AMR |
$9,941
-12.6% YoY+0.4% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)