BlastPoint's Credit Union Scorecard
EAST TEXAS PROFESSIONAL
Charter #67761 · TX
EAST TEXAS PROFESSIONAL has 5 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 3.2% in tier
- + ROA 0.96% above tier average
- + Net Interest Margin 0.33% above tier average
- + Net Worth Ratio: Top 2.7% in tier
- + Efficiency Ratio: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2.4% in tier
- - Indirect Auto Dependency: Bottom 32.0% in tier
- - Average Member Relationship (AMR): Bottom 6.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 10.0% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
- Shares and deposits +6.7% year over year ($1.15B in shares and deposits).
- Membership: 104,455 members, +2.1% vs a year ago.
- Delinquency rate 0.41%.
- Return on assets 1.78%.
- Efficiency ratio 56.76% vs a 73.02% peer average.
- Loan-to-share ratio 84.93% vs a 84.71% 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 |
104,455
+2.1% YoY-0.4% QoQ
|
+7.6K |
96,861
-1.9% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
65% |
| Assets |
$1.4B
+7.3% YoY+0.2% QoQ
|
$-277.9M |
$1.7B
+0.4% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
41% |
| Loans |
$977.1M
+5.1% YoY+2.1% QoQ
|
$-257.1M |
$1.2B
+0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
36% |
| Deposits |
$1.2B
+6.7% YoY-0.6% QoQ
|
$-312.8M |
$1.5B
+0.5% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
37% |
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 |
1.8%
+6.0% YoY+8.6% QoQ
|
+1.0% |
0.8%
+27.6% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 3.3% in tier |
| NIM |
3.8%
-0.4% YoY+2.6% QoQ
|
+0.3% |
3.4%
+6.6% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
72% |
| Efficiency Ratio |
56.8%
-6.4% YoY+1.3% QoQ
|
-16.3% |
73.0%
-2.7% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 4.3% in tier |
| Delinquency Rate |
0.4%
-0.8% YoY+81.8% QoQ
|
-0.5 |
0.9%
+7.3% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
21% |
| Loan To Share |
84.9%
-1.4% YoY+2.7% QoQ
|
+0.2% |
84.7%
+0.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
45% |
| AMR |
$20,369
+3.7% YoY+1.1% QoQ
|
$-9K |
$29,575
+1.5% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.3% in tier |
| CD Concentration |
33.2%
+3.8% YoY-0.2% QoQ
|
+4.2% | 29.1% | 21.6% | 20.0% | 68% |
| Indirect Auto % |
36.3%
+3.3% YoY+2.0% QoQ
|
+18.2% | 18.1% | 6.9% | 7.7% | Bottom 14.4% in tier |
Signature Analysis
Strengths (1)
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 (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—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)