DATCU

Charter #67535 | TX

1B-3B (304 CUs) Mid-Market (380 CUs)
26 1B-3B in TX

DATCU has 10 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 2.5% in tier
  • + Organic Growth Engine: Top 13.0% in tier
  • + Wallet Share Momentum: Top 16.5% in tier
  • + Relationship Depth Leader: Top 23.5% in tier
  • + ROA 0.82% above tier average
  • + Net Interest Margin 0.62% above tier average
  • + Total Delinquency Rate (60+ days): Top 2.0% in tier
  • + Efficiency Ratio: Top 3.6% in tier
  • + Net Worth Ratio: Top 4.3% in tier
  • + Members Per Employee (MPE): Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 2.0% in tier
  • - Liquidity Strain: Bottom 7.4% in tier
  • - Liquidity Overhang: Bottom 16.2% in tier
  • - Indirect Auto Concentration (%): Bottom 4.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 111,016
+3.2% YoY+0.8% QoQ
 +12.3K 98,678
-1.9% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 67th in tier
Assets $1.7B
+7.7% YoY+0.8% QoQ
 +$18.7M $1.7B
+0.5% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 60th in tier
Loans $1.5B
+9.1% YoY+1.0% QoQ
 +$217.8M $1.2B
+0.5% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 70th in tier
Deposits $1.4B
+7.4% YoY+0.4% QoQ
 $-17.3M $1.5B
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 58th in tier
ROA 1.5%
+6.5% YoY+3.9% QoQ
 +0.8% 0.7%
+13.4% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Top 6.2% in tier
NIM 3.9%
+4.8% YoY-0.2% QoQ
 +0.6% 3.3%
+9.3% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Top 14.8% in tier
Efficiency Ratio 57.7%
+1.7% YoY-1.4% QoQ
 -16.2% 74.0%
-10.9% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Bottom 3.6% in tier
Delinquency Rate 0.1%
-39.4% YoY+37.0% QoQ
 -0.7 0.8%
+6.1% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Bottom 2.0% in tier
Loan To Share 101.0%
+1.5% YoY+0.6% QoQ
 +15.8% 85.2%
-0.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 13.8% in tier
AMR $26,013
+4.9% YoY-0.1% QoQ
 $-3K $29,172
+2.8% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 41st in tier
CD Concentration 28.5%
+19.7% YoY+1.5% QoQ
 -0.5% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 51.0%
-9.8% YoY-0.1% QoQ
 +32.2% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Top 4.0% in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#14 of 184 • Top 2.5% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.52%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 3.21%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY

Organic Growth Engine

growth
#95 of 246 • Top 13.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.21%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.52%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 51.01%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Wallet Share Momentum

growth
#120 of 264 • Top 16.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.90%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#171 of 264 • Top 23.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.90%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk
#13 of 202 • Bottom 2.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 7.73%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 51.01%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.21%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Liquidity Strain

risk
#40 of 183 • Bottom 7.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 100.96%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 9.10%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Liquidity Overhang

risk
#53 of 113 • Bottom 16.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 16.59%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 100.96%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

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 304 peers in tier

Top Strengths (10 metrics)

7
Total Delinquency Rate (60+ days)
risk
Value: 0.10%
Peer Avg: 0.83%
#7 of 304 Top 2.0% in 1B-3B tier
12
Efficiency Ratio
profitability
Value: 57.73%
Peer Avg: 73.97%
#12 of 304 Top 3.6% in 1B-3B tier
14
Net Worth Ratio
risk
Value: 16.59%
Peer Avg: 11.44%
#14 of 304 Top 4.3% in 1B-3B tier
19
Return on Assets (ROA)
profitability
Value: 1.52%
Peer Avg: 0.70%
#19 of 304 Top 5.9% in 1B-3B tier
30
Members Per Employee (MPE)
engagement
Value: 468.422
Peer Avg: 364.953
#30 of 304 Top 9.5% in 1B-3B tier
42
Loan-to-Share Ratio
balance_sheet
Value: 100.96%
Peer Avg: 85.19%
#42 of 304 Top 13.5% in 1B-3B tier
45
Net Interest Margin (NIM)
profitability
Value: 3.88%
Peer Avg: 3.26%
#45 of 304 Top 14.5% in 1B-3B tier
46
First Mortgage Concentration (%)
balance_sheet
Value: 19.00%
Peer Avg: 34.01%
#46 of 304 Top 14.8% in 1B-3B tier
71
Asset Growth Rate
growth
Value: 7.73%
Peer Avg: 4.83%
#71 of 304 Top 23.0% in 1B-3B tier
77
Loan Growth Rate
growth
Value: 9.10%
Peer Avg: 5.27%
#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (2 metrics)

292
Indirect Auto Concentration (%)
balance_sheet
Value: 51.01%
Peer Avg: 18.32%
#292 of 304 Bottom 4.3% in 1B-3B tier
244
Fee Income Per Member
profitability
Value: $154.54
Peer Avg: $210.52
#244 of 304 Bottom 20.1% in 1B-3B tier