BlastPoint's Credit Union Scorecard
HOUSTON HIGHWAY
Charter #67627 · TX
HOUSTON HIGHWAY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 12.8% YoY
- + Member Growth Rate: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Efficiency ratio 4.36% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 3.0% in tier
- - AMR Growth Rate: Bottom 7.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +4.2% year over year ($42.0M in shares and deposits).
- Membership: 3,701 members, +12.8% vs a year ago.
- Delinquency rate 1.14%.
- Return on assets 0.39%.
- Efficiency ratio 93.12% vs a 88.77% peer average.
- Loan-to-share ratio 52.14% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,701
+12.8% YoY+13.4% QoQ
|
+1.1K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
76% |
| Assets |
$48.4M
+6.2% YoY+2.2% QoQ
|
+$18.1M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
76% |
| Loans |
$21.9M
-3.7% YoY-3.5% QoQ
|
+$6.4M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
74% |
| Deposits |
$42.0M
+4.2% YoY+1.5% QoQ
|
+$16.2M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
77% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
-54.0% YoY-46.9% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
2.8%
-14.6% YoY-3.0% QoQ
|
-1.1% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 11.8% in tier |
| Efficiency Ratio |
93.1%
+16.5% YoY+0.8% QoQ
|
+4.4% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
77% |
| Delinquency Rate |
1.1%
+467.9% YoY+233.3% QoQ
|
-0.4 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
65% |
| Loan To Share |
52.1%
-7.6% YoY-5.0% QoQ
|
-6.8% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
40% |
| AMR |
$17,255
-10.2% YoY-12.0% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
66% |
| CD Concentration |
24.0%
+27.9% YoY+3.4% QoQ
|
-0.5% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
34.9%
+6.7% YoY-3.7% QoQ
|
+21.2% | 13.6% | 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)