BlastPoint's Credit Union Scorecard
TYLER CITY EMPLOYEES
Charter #67638 · TX
TYLER CITY EMPLOYEES has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.26% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Efficiency ratio 2.52% above tier (higher cost structure)
- - Delinquency rate 0.05% above tier average
- - Loan Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,119
+0.4% YoY+2.4% QoQ
|
+503 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$28.2M
-0.3% YoY-3.5% QoQ
|
$-2.0M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$15.9M
-15.5% YoY-5.1% QoQ
|
+$126K |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$23.8M
+0.3% YoY-3.3% QoQ
|
$-1.9M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
0.1%
-65.9% YoY-53.7% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
4.2%
+4.1% YoY+1.8% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
85.1%
+4.9% YoY+3.1% QoQ
|
+2.5% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
1.6%
+27.1% YoY+16.3% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
66.8%
-15.8% YoY-1.9% QoQ
|
+6.2% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$12,721
-7.0% YoY-6.3% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
17.9%
+7.5% YoY-8.4% QoQ
|
-6.5% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)