BlastPoint's Credit Union Scorecard

EAST TEXAS PROFESSIONAL

Charter #67761 · TX

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 28 in TX

View Mid-Market leaderboard →

EAST TEXAS PROFESSIONAL has 6 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 4.4% in tier
+ Wallet Share Momentum: Top 31.8% in tier
+ ROA 0.92% above tier average
+ Net Interest Margin 0.30% above tier average
+ Net Worth Ratio: Top 2.6% in tier
+ Efficiency Ratio: Top 3.3% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 2.3% in tier
- Indirect Auto Dependency: Bottom 17.1% in tier
- Credit Quality Pressure: Bottom 37.6% in tier
- Credit Risk Growth: Bottom 56.6% in tier
- Average Member Relationship (AMR): Bottom 6.9% in tier
- Loan-to-Member Ratio (LMR): Bottom 9.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	104,913 +2.2% YoY+0.8% QoQ	+8.9K	96,048 -2.7% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	66%
Assets	$1.4B +9.7% YoY+3.0% QoQ	$-275.8M	$1.7B +0.4% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	40%
Loans	$957.1M +4.5% YoY+0.3% QoQ	$-256.6M	$1.2B +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	35%
Deposits	$1.2B +10.0% YoY+3.4% QoQ	$-308.2M	$1.5B +0.5% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	36%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% -4.4% YoY-10.0% QoQ	+0.9%	0.7% +27.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Top 4.9% in tier
NIM	3.7% -1.3% YoY-2.0% QoQ	+0.3%	3.4% +6.2% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	70%
Efficiency Ratio	56.1% -5.2% YoY-3.4% QoQ	-18.6%	74.6% -3.0% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Top 3.3% in tier
Delinquency Rate	0.2% +51.6% YoY-52.8% QoQ	-0.5	0.8% +6.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Top 10.1% in tier
Loan To Share	82.7% -5.0% YoY-3.0% QoQ	-0.5%	83.2% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	42%
AMR	$20,155 +5.1% YoY+1.2% QoQ	$-9K	$29,652 +2.3% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	Bottom 6.5% in tier
CD Concentration	33.3% +14.6% YoY-1.7% QoQ	+4.5%	28.8%	21.3%	19.8%	71%
Indirect Auto %	35.6% +4.1% YoY+0.4% QoQ	+17.5%	18.1%	6.9%	7.7%	Bottom 14.9% in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth

#33 of 79 • Top 4.4% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.64%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.23%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Wallet Share Momentum

growth

#121 of 125 • Top 31.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.10%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#21 of 198 • Bottom 17.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 9.74%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 35.62%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.23%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Liquidity Overhang

risk

#6 of 15 • Bottom 2.3% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.93%

(Tier: 11.28%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 82.70%

(Tier: 84.20%, National: 65.58%)

worse than tier avg

15 of 384 Mid-Market CUs have this signature | 143 nationally

→ Stable (16→15 CUs) -1 CUs YoY

Credit Quality Pressure

risk

#143 of 225 • Bottom 37.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#141 of 183 • Bottom 56.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.52%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | 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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (6 metrics)

Net Worth Ratio

risk

Value: 18.93%

Peer Median: 10.85%

#9 of 306 Top 2.6% in 1B-3B tier

Efficiency Ratio

profitability

Value: 56.06%

Peer Median: 75.16%

#11 of 306 Top 3.3% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.64%

Peer Median: 0.66%

#15 of 306 Top 4.6% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.23%

Peer Median: 0.63%

#32 of 306 Top 10.1% in 1B-3B tier

Deposit Growth Rate

growth

Value: 9.98%

Peer Median: 4.44%

#46 of 306 Top 14.7% in 1B-3B tier

Asset Growth Rate

growth

Value: 9.74%

Peer Median: 4.82%

#49 of 306 Top 15.7% in 1B-3B tier

Top Weaknesses (3 metrics)

286

Average Member Relationship (AMR)

engagement

Value: $20,155

Peer Median: $28,178

#286 of 306 Bottom 6.9% in 1B-3B tier

278

Loan-to-Member Ratio (LMR)

engagement

Value: $9,123

Peer Median: $12,733

#278 of 306 Bottom 9.5% in 1B-3B tier

264

Indirect Auto Concentration (%)

balance_sheet

Value: 35.62%

Peer Median: 13.86%

#264 of 306 Bottom 14.1% in 1B-3B tier