TEX MEX
Charter #67579 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
TEX MEX has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.07% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.4% in tier
Key Concerns
Areas that may need attention
- - ROA 8.33% below tier average
- - Efficiency ratio 25.46% above tier (higher cost structure)
- - Delinquency rate 1.25% above tier average
- - Member decline: -44.4% YoY
- - Member Growth Rate: Bottom 0.6% in tier
- - Net Charge-Off Rate: Bottom 1.0% in tier
- - Asset Growth Rate: Bottom 4.0% in tier
- - Loan Growth Rate: Bottom 7.7% in tier
- - Average Member Relationship (AMR): Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,238
-44.4% YoY-7.0% QoQ
|
-387 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
56th in tier |
| Assets |
$8.4M
-11.5% YoY-4.8% QoQ
|
$-21.5M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
29th in tier |
| Loans |
$5.0M
-18.3% YoY-9.6% QoQ
|
$-10.8M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
34th in tier |
| Deposits |
$6.3M
-3.0% YoY+0.7% QoQ
|
$-19.2M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
27th in tier |
| ROA |
-7.6%
+1120.0% YoY-28.6% QoQ
|
-8.3% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.7% in tier |
| NIM |
6.0%
-7.6% YoY-5.5% QoQ
|
+2.1% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 4.2% in tier |
| Efficiency Ratio |
106.9%
+46.6% YoY+4.4% QoQ
|
+25.5% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 7.3% in tier |
| Delinquency Rate |
2.8%
-41.2% YoY-44.0% QoQ
|
+1.2 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 13.6% in tier |
| Loan To Share |
79.5%
-15.7% YoY-10.2% QoQ
|
+18.2% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 23.2% in tier |
| AMR |
$5,037
+61.0% YoY+3.1% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.5% in tier |
| CD Concentration |
33.6%
-1.5% YoY+0.4% QoQ
|
+9.1% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
11
AMR Growth Rate
growth
Value:
60.98%
Peer Avg: 4.67%
#11 of 2596
Top 0.4% in <100M tier
109
Net Interest Margin (NIM)
profitability
Value:
6.00%
Peer Avg: 3.93%
#109 of 2596
Top 4.2% in <100M tier
295
Net Worth Ratio
risk
Value:
24.69%
Peer Avg: 16.43%
#295 of 2596
Top 11.3% in <100M tier
598
Loan-to-Share Ratio
balance_sheet
Value:
79.47%
Peer Avg: 61.23%
#598 of 2596
Top 23.0% in <100M tier
Top Weaknesses (10 metrics)
2581
Member Growth Rate
growth
Value:
-44.36%
Peer Avg: 14.92%
#2581 of 2596
Bottom 0.6% in <100M tier
2579
Return on Assets (ROA)
profitability
Value:
-7.65%
Peer Avg: 0.68%
#2579 of 2596
Bottom 0.7% in <100M tier
2572
Net Charge-Off Rate
risk
Value:
7.78%
Peer Avg: 0.57%
#2572 of 2596
Bottom 1.0% in <100M tier
2494
Asset Growth Rate
growth
Value:
-11.51%
Peer Avg: 1.82%
#2494 of 2596
Bottom 4.0% in <100M tier
2408
Efficiency Ratio
profitability
Value:
106.86%
Peer Avg: 81.39%
#2408 of 2596
Bottom 7.3% in <100M tier
2398
Loan Growth Rate
growth
Value:
-18.26%
Peer Avg: 59.01%
#2398 of 2596
Bottom 7.7% in <100M tier
2349
Average Member Relationship (AMR)
engagement
Value:
$5,037
Peer Avg: $14,627
#2349 of 2596
Bottom 9.6% in <100M tier
2257
Share Certificate Concentration (%)
balance_sheet
Value:
33.55%
Peer Avg: 15.37%
#2257 of 2596
Bottom 13.1% in <100M tier
2245
Total Delinquency Rate (60+ days)
risk
Value:
2.76%
Peer Avg: 1.51%
#2245 of 2596
Bottom 13.6% in <100M tier
2198
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,231
Peer Avg: $5,488
#2198 of 2596
Bottom 15.4% in <100M tier