SCHLUMBERGER EMPLOYEES

Charter #67625 | TX

750M-1B (112 CUs) Community (281 CUs)
12 750M-1B in TX

SCHLUMBERGER EMPLOYEES has 6 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.98% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Efficiency Ratio: Top 0.9% in tier
  • + Net Worth Ratio: Top 0.9% in tier
  • + Members Per Employee (MPE): Top 1.8% in tier
  • + Share Certificate Concentration (%): Top 3.6% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 0.3% in tier
  • - Deposit Outflow: Bottom 11.0% in tier
  • - Shrinking Wallet Share: Bottom 22.1% in tier
  • - Loan-to-Share Ratio: Bottom 0.9% in tier
  • - Total Loans: Bottom 0.9% in tier
  • - First Mortgage Concentration (%): Bottom 2.7% in tier
  • - Total Members: Bottom 6.2% in tier
  • - Deposit Growth Rate: Bottom 8.9% in tier
  • - Net Interest Margin (NIM): Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 28,164
-0.1% YoY+0.9% QoQ
 -24.0K 52,114
-2.1% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Bottom 5.4% in tier
Assets $896.7M
+1.3% YoY-1.0% QoQ
 +$37.7M $859.0M
+0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 68th in tier
Loans $268.3M
-1.7% YoY-1.3% QoQ
 $-335.1M $603.4M
+1.0% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 0.0% in tier
Deposits $672.0M
-0.6% YoY-2.0% QoQ
 $-62.2M $734.2M
+0.9% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Bottom 16.1% in tier
ROA 1.7%
+4.9% YoY+3.5% QoQ
 +1.0% 0.7%
+27.6% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Top 3.6% in tier
NIM 2.5%
+9.5% YoY+2.1% QoQ
 -0.9% 3.4%
+9.6% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Bottom 8.9% in tier
Efficiency Ratio 44.1%
+2.0% YoY-1.8% QoQ
 -30.4% 74.5%
-3.2% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Bottom 0.9% in tier
Delinquency Rate 0.4%
-37.9% YoY+48.5% QoQ
 -0.4 0.8%
+5.0% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Bottom 21.4% in tier
Loan To Share 39.9%
-1.1% YoY+0.7% QoQ
 -42.7% 82.7%
+0.1% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Bottom 0.0% in tier
AMR $33,385
-0.8% YoY-2.6% QoQ
 +$5K $28,651
+2.5% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Top 23.2% in tier
CD Concentration 10.1%
+14.1% YoY+7.9% QoQ
 -14.3% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 Bottom 9.0% in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Liquidity Overhang

risk
#5 of 552 • Bottom 0.3% 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: 24.44%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 39.93%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

Deposit Outflow

decline
#66 of 114 • Bottom 11.0% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -0.62%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $896.69M
(Tier: $859.01M, National: $547.69M)
but better than tier avg
114 of 281 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#221 of 244 • Bottom 22.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.78%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

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 112 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.60%
#1 of 112 Top 0.0% in 750M-1B tier
2
Efficiency Ratio
profitability
Value: 44.10%
Peer Avg: 74.52%
#2 of 112 Top 0.9% in 750M-1B tier
2
Net Worth Ratio
risk
Value: 24.44%
Peer Avg: 11.52%
#2 of 112 Top 0.9% in 750M-1B tier
3
Members Per Employee (MPE)
engagement
Value: 761.189
Peer Avg: 361.634
#3 of 112 Top 1.8% in 750M-1B tier
4
Return on Assets (ROA)
profitability
Value: 1.69%
Peer Avg: 0.71%
#4 of 112 Top 2.7% in 750M-1B tier
5
Share Certificate Concentration (%)
balance_sheet
Value: 10.06%
Peer Avg: 28.34%
#5 of 112 Top 3.6% in 750M-1B tier
18
Net Charge-Off Rate
risk
Value: 0.23%
Peer Avg: 0.61%
#18 of 112 Top 15.2% in 750M-1B tier
25
Total Delinquency Rate (60+ days)
risk
Value: 0.40%
Peer Avg: 0.82%
#25 of 112 Top 21.4% in 750M-1B tier
26
Average Member Relationship (AMR)
engagement
Value: $33,385
Peer Avg: $28,651
#26 of 112 Top 22.3% in 750M-1B tier

Top Weaknesses (10 metrics)

112
Loan-to-Share Ratio
balance_sheet
Value: 39.93%
Peer Avg: 82.66%
#112 of 112 Bottom 0.9% in 750M-1B tier
112
Total Loans
balance_sheet
Value: $268.31M
Peer Avg: $603.36M
#112 of 112 Bottom 0.9% in 750M-1B tier
110
First Mortgage Concentration (%)
balance_sheet
Value: 67.58%
Peer Avg: 33.64%
#110 of 112 Bottom 2.7% in 750M-1B tier
106
Total Members
engagement
Value: 28,164
Peer Avg: 52,114
#106 of 112 Bottom 6.2% in 750M-1B tier
103
Deposit Growth Rate
growth
Value: -0.62%
Peer Avg: 5.03%
#103 of 112 Bottom 8.9% in 750M-1B tier
102
Net Interest Margin (NIM)
profitability
Value: 2.51%
Peer Avg: 3.38%
#102 of 112 Bottom 9.8% in 750M-1B tier
97
AMR Growth Rate
growth
Value: -0.78%
Peer Avg: 4.90%
#97 of 112 Bottom 14.3% in 750M-1B tier
94
Total Deposits
balance_sheet
Value: $671.95M
Peer Avg: $734.17M
#94 of 112 Bottom 17.0% in 750M-1B tier
93
Loan Growth Rate
growth
Value: -1.67%
Peer Avg: 4.84%
#93 of 112 Bottom 17.9% in 750M-1B tier
85
Loan-to-Member Ratio (LMR)
engagement
Value: $9,527
Peer Avg: $12,810
#85 of 112 Bottom 25.0% in 750M-1B tier