BlastPoint's Credit Union Scorecard
EECU
Charter #67928 · TX
EECU has 8 strengths but faces 5 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
- + Wallet Share Momentum: Top 17.1% in tier
- + ROA 0.83% above tier average
- + Efficiency Ratio: Top 0.1% in tier
- + Members Per Employee (MPE): Top 1.3% in tier
- + Total Deposits: Top 2.6% in tier
- + First Mortgage Concentration (%): Top 3.8% in tier
- + Total Loans: Top 5.1% in tier
- + Total Members: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 12.1% in tier
- - Credit Risk Growth: Bottom 12.9% in tier
- - Liquidity Strain: Bottom 34.7% in tier
- - Credit Quality Pressure: Bottom 56.3% in tier
- - Indirect Auto Concentration (%): Bottom 1.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
307,907
+4.1% YoY+1.6% QoQ
|
+87.5K |
220,435
-7.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Top 10.3% in tier |
| Assets |
$4.8B
+11.4% YoY+3.8% QoQ
|
+$844.1M |
$3.9B
-1.5% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Top 11.5% in tier |
| Loans |
$3.7B
+12.7% YoY+1.8% QoQ
|
+$849.1M |
$2.9B
-1.1% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Top 6.4% in tier |
| Deposits |
$4.1B
+11.1% YoY+4.0% QoQ
|
+$818.2M |
$3.3B
-2.5% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Top 3.8% in tier |
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| ROA |
1.6%
+15.6% YoY+12.1% QoQ
|
+0.8% |
0.7%
+10.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Top 5.1% in tier |
| NIM |
2.9%
+0.3% YoY-1.8% QoQ
|
-0.3% |
3.2%
+4.6% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
27% |
| Efficiency Ratio |
52.1%
-9.3% YoY-7.7% QoQ
|
-19.2% |
71.3%
-2.6% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Top 0.1% in tier |
| Delinquency Rate |
0.4%
+2.5% YoY-6.7% QoQ
|
-0.3 |
0.7%
+9.2% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
33% |
| Loan To Share |
90.9%
+1.5% YoY-2.2% QoQ
|
+2.9% |
88.0%
+0.9% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
53% |
| AMR |
$25,522
+7.5% YoY+1.3% QoQ
|
$-5K |
$30,672
+5.5% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
30% |
| CD Concentration |
37.0%
+7.5% YoY+0.3% QoQ
|
+8.2% | 28.8% | 21.3% | 19.8% | 83% |
| Indirect Auto % |
56.1%
+10.2% YoY+2.4% QoQ
|
+38.0% | 18.1% | 6.9% | 7.7% | Bottom 1.3% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)