BlastPoint's Credit Union Scorecard
TEX MEX
Charter #67579 · TX
2556 CUs in <100M nationally
243 in TX
TEX MEX has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.09% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.5% in tier
Key Concerns
Areas that may need attention
- - ROA 7.26% below tier average
- - Efficiency ratio 23.06% above tier (higher cost structure)
- - Delinquency rate 0.02% above tier average
- - Member decline: -44.8% YoY
- - Member Growth Rate: Bottom 0.6% in tier
- - Net Charge-Off Rate: Bottom 1.0% in tier
- - Asset Growth Rate: Bottom 2.3% in tier
- - Loan Growth Rate: Bottom 6.0% in tier
- - Average Member Relationship (AMR): Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,234
-44.8% YoY-0.2% QoQ
|
-381 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
56% |
| Assets |
$8.2M
-13.8% YoY-1.9% QoQ
|
$-21.9M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$4.7M
-19.6% YoY-6.2% QoQ
|
$-11.1M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$6.2M
-4.5% YoY-1.4% QoQ
|
$-19.5M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
-6.6%
+719.5% YoY-13.2% QoQ
|
-7.3% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.8% in tier |
| NIM |
6.0%
-6.6% YoY+0.7% QoQ
|
+2.1% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 3.7% in tier |
| Efficiency Ratio |
105.6%
+35.7% YoY-1.2% QoQ
|
+23.1% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 7.8% in tier |
| Delinquency Rate |
1.6%
-77.0% YoY-43.0% QoQ
|
+0.0 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
75.6%
-15.8% YoY-4.9% QoQ
|
+15.0% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$4,870
+60.2% YoY-3.3% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.8% in tier |
| CD Concentration |
33.7%
-19.5% YoY+0.5% QoQ
|
+9.3% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
14
AMR Growth Rate
growth
Value:
60.16%
Peer Median: -
#14 of 2556
Top 0.5% in <100M tier
94
Net Interest Margin (NIM)
profitability
Value:
6.04%
Peer Median: -
#94 of 2556
Top 3.6% in <100M tier
302
Net Worth Ratio
risk
Value:
24.63%
Peer Median: -
#302 of 2556
Top 11.8% in <100M tier
Top Weaknesses (10 metrics)
2542
Member Growth Rate
growth
Value:
-44.81%
Peer Median: -
#2542 of 2556
Bottom 0.6% in <100M tier
2536
Return on Assets (ROA)
profitability
Value:
-6.64%
Peer Median: -
#2536 of 2556
Bottom 0.8% in <100M tier
2532
Net Charge-Off Rate
risk
Value:
8.53%
Peer Median: -
#2532 of 2556
Bottom 1.0% in <100M tier
2499
Asset Growth Rate
growth
Value:
-13.75%
Peer Median: -
#2499 of 2556
Bottom 2.3% in <100M tier
2404
Loan Growth Rate
growth
Value:
-19.56%
Peer Median: -
#2404 of 2556
Bottom 6.0% in <100M tier
2357
Efficiency Ratio
profitability
Value:
105.62%
Peer Median: -
#2357 of 2556
Bottom 7.8% in <100M tier
2332
Average Member Relationship (AMR)
engagement
Value:
$4,870
Peer Median: -
#2332 of 2556
Bottom 8.8% in <100M tier
2217
Share Certificate Concentration (%)
balance_sheet
Value:
33.71%
Peer Median: -
#2217 of 2556
Bottom 13.3% in <100M tier
2199
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,097
Peer Median: -
#2199 of 2556
Bottom 14.0% in <100M tier
2051
Deposit Growth Rate
growth
Value:
-4.47%
Peer Median: -
#2051 of 2556
Bottom 19.8% in <100M tier