BlastPoint's Credit Union Scorecard
TEX MEX
Charter #67579 · TX
TEX MEX has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.05% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.57% below tier average
- - Efficiency ratio 27.34% above tier (higher cost structure)
- - Member decline: -6.7% YoY
- - Loan Growth Rate: Bottom 5.9% in tier
- - Asset Growth Rate: Bottom 8.9% in tier
- - Average Member Relationship (AMR): Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,228
-6.7% YoY-0.3% QoQ
|
-448 |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
57% |
| Assets |
$8.6M
-7.1% YoY+4.0% QoQ
|
$-21.6M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
28% |
| Loans |
$4.5M
-20.6% YoY-3.2% QoQ
|
$-10.7M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
32% |
| Deposits |
$6.5M
-1.3% YoY+4.7% QoQ
|
$-19.3M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
-1.4%
-91.3% YoY-78.6% QoQ
|
-1.6% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.5% in tier |
| NIM |
5.1%
-11.4% YoY-16.2% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 10.9% in tier |
| Efficiency Ratio |
118.0%
+60.9% YoY+11.7% QoQ
|
+27.3% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.3% in tier |
| Delinquency Rate |
1.3%
-78.0% YoY-20.2% QoQ
|
-0.3 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
69% |
| Loan To Share |
69.9%
-19.5% YoY-7.6% QoQ
|
+11.4% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
67% |
| AMR |
$4,948
-3.8% YoY+1.6% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.0% in tier |
| CD Concentration |
32.5%
-0.0% YoY-3.5% QoQ
|
+8.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)