BlastPoint's Credit Union Scorecard

EECU

Charter #67928 · TX

Mid-Market 3B-5B
76 CUs in 3B-5B nationally 5 in TX
View Mid-Market leaderboard →

EECU has 8 strengths but faces 3 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

  • + Organic Growth Engine: Top 34.5% in tier
  • + Wallet Share Momentum: Top 58.2% in tier
  • + ROA 0.68% above tier average
  • + Efficiency Ratio: Top 1.3% in tier
  • + Members Per Employee (MPE): Top 3.9% in tier
  • + First Mortgage Concentration (%): Top 6.6% in tier
  • + Total Loans: Top 7.9% in tier
  • + Total Deposits: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 2.0% in tier
  • - Liquidity Strain: Bottom 56.4% in tier
  • - Indirect Auto Concentration (%): Bottom 1.3% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 302,995
+3.6% YoY+1.8% QoQ
 +72.6K 230,353
-2.9% YoY
 27,007
+3.4% YoY
 33,374
+5.7% YoY
 Top 13.2% in tier
Assets $4.6B
+11.5% YoY+1.9% QoQ
 +$645.4M $3.9B
+0.3% YoY
 $418.5M
+7.2% YoY
 $561.6M
+9.7% YoY
 83%
Loans $3.7B
+12.0% YoY+3.8% QoQ
 +$742.4M $2.9B
-0.2% YoY
 $298.6M
+5.4% YoY
 $397.0M
+8.8% YoY
 Top 9.2% in tier
Deposits $4.0B
+10.9% YoY+1.6% QoQ
 +$647.3M $3.3B
-0.3% YoY
 $347.2M
+7.2% YoY
 $477.3M
+9.7% YoY
 Top 10.5% in tier

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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 1.4%
+5.8% YoY-2.5% QoQ
 +0.7% 0.7%
+16.8% YoY
 0.6%
+2.3% YoY
 0.7%
+15.9% YoY
 Top 7.9% in tier
NIM 3.0%
+2.4% YoY+0.4% QoQ
 -0.2% 3.1%
+9.8% YoY
 3.9%
+3.4% YoY
 3.8%
+5.1% YoY
 42%
Efficiency Ratio 56.4%
-2.1% YoY-0.3% QoQ
 -15.0% 71.4%
-1.4% YoY
 80.2%
-0.8% YoY
 79.7%
-3.3% YoY
 Bottom 1.3% in tier
Delinquency Rate 0.4%
-12.7% YoY+2.3% QoQ
 -0.4 0.9%
+5.8% YoY
 1.3%
+11.4% YoY
 1.3%
-2.1% YoY
 28%
Loan To Share 92.9%
+1.0% YoY+2.2% QoQ
 +4.0% 88.9%
-0.2% YoY
 71.4%
-2.7% YoY
 67.4%
-1.7% YoY
 55%
AMR $25,201
+7.6% YoY+0.9% QoQ
 $-4K $29,682
+1.5% YoY
 $17,599
+2.5% YoY
 $19,687
+2.0% YoY
 29%
CD Concentration 36.9%
+6.9% YoY+1.6% QoQ
 +7.8% 29.0% 21.2% 19.8% 81%
Indirect Auto % 54.8%
+10.0% YoY+3.2% QoQ
 +36.5% 18.3% 7.1% 7.8% Top 1.3% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#86 of 247 • Top 34.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.57%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Return on Assets: 1.39%
(Tier: 0.69%, National: 0.67%)
better than tier avg
Indirect Auto %: 54.77%
(Tier: 18.31%, National: 7.78%)
but worse than tier avg
247 of 378 Mid-Market CUs have this signature | 913 nationally
→ No prior data (247 CUs now) | New qualifier

Wallet Share Momentum

growth
#72 of 123 • Top 58.2% in tier

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

Why This Signature
AMR Growth (YoY): 7.60%
(Tier: 3.31%, National: 4.00%)
better than tier avg
123 of 378 Mid-Market CUs have this signature | 662 nationally
↑ Growing +38 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#5 of 196 • Bottom 2.0% in tier

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

Why This Signature
Asset Growth (YoY): 11.50%
(Tier: 6.83%, National: 3.54%)
but better than tier avg
Indirect Auto %: 54.77%
(Tier: 18.31%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 3.57%
(Tier: 3.43%, National: 4.32%)
but better than tier avg
196 of 378 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -11 CUs YoY | Rank improving

Liquidity Strain

risk
#94 of 166 • Bottom 56.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 92.91%
(Tier: 85.73%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 12.02%
(Tier: 6.38%, National: 111.96%)
but better than tier avg
166 of 378 Mid-Market CUs have this signature | 439 nationally
↓ Shrinking -7 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 76 peers in tier

Top Strengths (13 metrics)

2
Efficiency Ratio
profitability
Value: 56.43%
Peer Median: -
#2 of 76 Top 1.3% in 3B-5B tier
4
Members Per Employee (MPE)
engagement
Value: 717.998
Peer Median: -
#4 of 76 Top 3.9% in 3B-5B tier
6
Return on Assets (ROA)
profitability
Value: 1.39%
Peer Median: -
#6 of 76 Top 6.6% in 3B-5B tier
6
First Mortgage Concentration (%)
balance_sheet
Value: 14.86%
Peer Median: -
#6 of 76 Top 6.6% in 3B-5B tier
7
Total Loans
balance_sheet
Value: $3.68B
Peer Median: -
#7 of 76 Top 7.9% in 3B-5B tier
8
Total Deposits
balance_sheet
Value: $3.96B
Peer Median: -
#8 of 76 Top 9.2% in 3B-5B tier
10
Total Members
engagement
Value: 302,995
Peer Median: -
#10 of 76 Top 11.8% in 3B-5B tier
11
Net Worth Ratio
risk
Value: 12.64%
Peer Median: -
#11 of 76 Top 13.2% in 3B-5B tier
13
Deposit Growth Rate
growth
Value: 10.90%
Peer Median: -
#13 of 76 Top 15.8% in 3B-5B tier
13
Total Assets
balance_sheet
Value: $4.59B
Peer Median: -
#13 of 76 Top 15.8% in 3B-5B tier

Top Weaknesses (1 metrics)

76
Indirect Auto Concentration (%)
balance_sheet
Value: 54.77%
Peer Median: -
#76 of 76 Bottom 1.3% in 3B-5B tier
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