BlastPoint's Credit Union Scorecard
TEXAS TELCOM
Charter #67490 · TX
TEXAS TELCOM faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.98% below tier average
- - Efficiency ratio 81.84% above tier (higher cost structure)
- - Member decline: -13.4% YoY
- - AMR Growth Rate: Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - Net Interest Margin (NIM): Bottom 6.1% in tier
Core Metrics
As of 2024-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,526
-13.4% YoY-7.4% QoQ
|
+842 |
2,683
-1.2% YoY
|
25,933
+4.3% YoY
|
31,195
+5.6% YoY
|
73% |
| Assets |
$53.7M
-8.4% YoY-3.9% QoQ
|
+$24.2M |
$29.5M
+0.1% YoY
|
$388.5M
+4.9% YoY
|
$507.9M
+7.0% YoY
|
80% |
| Loans |
$28.3M
-7.4% YoY-3.8% QoQ
|
+$12.1M |
$16.1M
+0.3% YoY
|
$280.9M
+3.7% YoY
|
$358.1M
+5.9% YoY
|
79% |
| Deposits |
$45.8M
-10.6% YoY-4.7% QoQ
|
+$20.4M |
$25.4M
-0.8% YoY
|
$321.8M
+5.6% YoY
|
$425.3M
+6.5% YoY
|
79% |
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| ROA |
-2.1%
+1682.4% YoY+344.1% QoQ
|
-2.0% |
-0.1%
-119.4% YoY
|
0.6%
+2.0% YoY
|
0.2%
-69.3% YoY
|
Bottom 3.3% in tier |
| NIM |
2.1%
+3.2% YoY+2.7% QoQ
|
-1.7% |
3.8%
+12.5% YoY
|
3.8%
+8.8% YoY
|
3.6%
+9.2% YoY
|
Bottom 6.1% in tier |
| Efficiency Ratio |
165.2%
+55.7% YoY+49.2% QoQ
|
+81.8% |
83.4%
-1.6% YoY
|
80.3%
-1.5% YoY
|
81.8%
-0.3% YoY
|
Bottom 2.1% in tier |
| Delinquency Rate |
0.3%
-67.2% YoY-66.9% QoQ
|
-1.3 |
1.5%
+12.6% YoY
|
1.0%
+9.2% YoY
|
1.2%
+14.8% YoY
|
32% |
| Loan To Share |
61.8%
+3.6% YoY+0.9% QoQ
|
-1.4% |
63.1%
+2.1% YoY
|
73.6%
-0.0% YoY
|
69.2%
+1.2% YoY
|
48% |
| AMR |
$21,002
+4.6% YoY+3.3% QoQ
|
+$6K |
$15,039
+4.8% YoY
|
$17,299
+0.4% YoY
|
$19,175
+3.6% YoY
|
84% |
| CD Concentration |
34.5%
+1.5% YoY-5.1% QoQ
|
+11.1% | 23.4% | 19.5% | 18.5% | 50% |
| Indirect Auto % | 0.0% | -14.8% | 14.8% | 7.2% | 8.1% | 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)