BlastPoint's Credit Union Scorecard
EAST TEXAS PROFESSIONAL
Charter #67761 · TX
EAST TEXAS PROFESSIONAL has 7 strengths but faces 5 concerns
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 5.3% in tier
- + Organic Growth Engine: Top 11.6% in tier
- + Emerging Performer: Top 19.7% in tier
- + ROA 1.05% above tier average
- + Net Interest Margin 0.49% above tier average
- + Net Worth Ratio: Top 2.6% in tier
- + Efficiency Ratio: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 10.2% in tier
- - Credit Risk Growth: Bottom 10.6% in tier
- - Credit Quality Pressure: Bottom 11.5% in tier
- - Liquidity Overhang: Bottom 31.2% in tier
- - Average Member Relationship (AMR): Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
103,391
+2.8% YoY+1.1% QoQ
|
+4.7K |
98,678
-1.9% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
60% |
| Assets |
$1.4B
+5.1% YoY+2.1% QoQ
|
$-343.7M |
$1.7B
+0.5% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
35% |
| Loans |
$942.0M
+7.1% YoY+1.4% QoQ
|
$-291.1M |
$1.2B
+0.5% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
32% |
| Deposits |
$1.1B
+4.1% YoY+1.8% QoQ
|
$-356.3M |
$1.5B
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
30% |
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| ROA |
1.8%
-1.1% YoY+4.3% QoQ
|
+1.0% |
0.7%
+13.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 2.0% in tier |
| NIM |
3.8%
+0.7% YoY-0.5% QoQ
|
+0.5% |
3.3%
+9.3% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
81% |
| Efficiency Ratio |
59.4%
-0.7% YoY-2.1% QoQ
|
-14.6% |
74.0%
-10.9% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.9% in tier |
| Delinquency Rate |
0.5%
+46.2% YoY+17.6% QoQ
|
-0.3 |
0.8%
+6.1% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
30% |
| Loan To Share |
85.8%
+2.9% YoY-0.4% QoQ
|
+0.6% |
85.2%
-0.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$19,731
+2.6% YoY+0.5% QoQ
|
$-9K |
$29,172
+2.8% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.6% in tier |
| CD Concentration |
33.2%
+20.8% YoY+3.7% QoQ
|
+4.3% |
29.0%
+0.7% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
71% |
| Indirect Auto % |
35.4%
+11.7% YoY+0.6% QoQ
|
+16.6% |
18.8%
-3.0% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
83% |
Signature Analysis
Strengths (3)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)