BlastPoint's Credit Union Scorecard
STAR OF TEXAS
Charter #67512 · TX
STAR OF TEXAS has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.54% above tier average
- + Net Interest Margin 0.23% above tier average
- + Fee Income Per Member: Top 0.3% in tier
- + Loan-to-Member Ratio (LMR): Top 0.7% in tier
- + Efficiency Ratio: Top 1.5% in tier
- + Average Member Relationship (AMR): Top 1.6% in tier
- + Loan-to-Share Ratio: Top 3.6% in tier
- + Total Loans: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.24% above tier average
- - First Mortgage Concentration (%): Bottom 1.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +6.0% year over year ($54.1M in shares and deposits).
- Membership: 2,938 members, +3.7% vs a year ago.
- Delinquency rate 3.79%.
- Return on assets 4.03%.
- Efficiency ratio 39.93% vs a 88.77% peer average.
- Loan-to-share ratio 98.68% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,938
+3.7% YoY+1.2% QoQ
|
+352 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
67% |
| Assets |
$71.6M
+8.4% YoY+4.8% QoQ
|
+$41.3M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Top 11.9% in tier |
| Loans |
$53.4M
+6.5% YoY+2.1% QoQ
|
+$37.9M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Top 4.0% in tier |
| Deposits |
$54.1M
+6.0% YoY+3.7% QoQ
|
+$28.3M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
84% |
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| ROA |
4.0%
+166.9% YoY+134.6% QoQ
|
+2.5% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 2.5% in tier |
| NIM |
4.1%
-1.4% YoY-3.1% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
39.9%
-39.8% YoY-34.2% QoQ
|
-48.8% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 1.5% in tier |
| Delinquency Rate |
3.8%
+2068.4% YoY+281.9% QoQ
|
+2.2 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.8% in tier |
| Loan To Share |
98.7%
+0.5% YoY-1.5% QoQ
|
+39.8% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 3.7% in tier |
| AMR |
$36,563
+2.5% YoY+1.7% QoQ
|
+$22K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 1.6% in tier |
| CD Concentration |
34.6%
-5.9% YoY-2.4% QoQ
|
+10.1% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-97.1% YoY
|
-13.6% | 13.6% | 6.9% | 7.7% | 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)