EAST TEXAS PROFESSIONAL

Charter #67761 | TX

1B-3B (304 CUs) Mid-Market (380 CUs)
26 1B-3B in TX

EAST TEXAS PROFESSIONAL has 8 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 2.7% in tier
  • + Organic Growth Engine: Top 11.6% in tier
  • + Wallet Share Momentum: Top 28.4% in tier
  • + Relationship Depth Leader: Top 35.0% 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

  • - Liquidity Overhang: Bottom 5.3% in tier
  • - Indirect Auto Dependency: Bottom 10.2% in tier
  • - Growth-at-Risk: Bottom 10.6% in tier
  • - Credit Quality Pressure: Bottom 11.5% 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
 60th in tier
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
 35th in tier
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
 32nd in tier
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
 30th in tier
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
 Top 19.1% in tier
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
 30th in tier
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
 44th in tier
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
 +4.2% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 71st in tier
Indirect Auto % 35.4%
+11.7% YoY+0.6% QoQ
 +16.6% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Top 16.9% in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#15 of 184 • Top 2.7% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.75%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 2.82%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Organic Growth Engine

growth
#85 of 246 • Top 11.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.82%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.75%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 35.38%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#206 of 264 • Top 28.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.55%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#254 of 264 • Top 35.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.55%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.8K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (4)

Liquidity Overhang

risk
#18 of 113 • Bottom 5.3% 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: 18.90%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 85.78%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY

Indirect Auto Dependency

risk
#64 of 202 • Bottom 10.2% in tier

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

Why This Signature
Asset Growth (YoY): 5.10%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 35.38%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.82%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Growth-at-Risk

risk
#60 of 161 • Bottom 10.6% in tier

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

Why This Signature
Loan Growth (YoY): 7.11%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.15% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#89 of 217 • Bottom 11.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.15% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (5 metrics)

6
Return on Assets (ROA)
profitability
Value: 1.75%
Peer Avg: 0.70%
#6 of 304 Top 1.6% in 1B-3B tier
9
Net Worth Ratio
risk
Value: 18.90%
Peer Avg: 11.44%
#9 of 304 Top 2.6% in 1B-3B tier
19
Efficiency Ratio
profitability
Value: 59.40%
Peer Avg: 73.97%
#19 of 304 Top 5.9% in 1B-3B tier
58
Net Interest Margin (NIM)
profitability
Value: 3.75%
Peer Avg: 3.26%
#58 of 304 Top 18.8% in 1B-3B tier
70
Net Charge-Off Rate
risk
Value: 0.31%
Peer Avg: 0.60%
#70 of 304 Top 22.7% in 1B-3B tier

Top Weaknesses (3 metrics)

284
Average Member Relationship (AMR)
engagement
Value: $19,731
Peer Avg: $29,172
#284 of 304 Bottom 6.9% in 1B-3B tier
269
Loan-to-Member Ratio (LMR)
engagement
Value: $9,111
Peer Avg: $13,213
#269 of 304 Bottom 11.8% in 1B-3B tier
255
Indirect Auto Concentration (%)
balance_sheet
Value: 35.38%
Peer Avg: 18.32%
#255 of 304 Bottom 16.4% in 1B-3B tier