BlastPoint's Credit Union Scorecard

EECU

Charter #67928 · TX

Mid-Market 3B-5B

77 CUs in 3B-5B nationally 6 in TX

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EECU has 8 strengths but faces 5 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

+ Wallet Share Momentum: Top 21.8% in tier
+ ROA 0.69% above tier average
+ Strong member growth: 5.6% YoY
+ Total Deposits: Top 0.1% in tier
+ Efficiency Ratio: Top 1.3% in tier
+ Members Per Employee (MPE): Top 1.3% in tier
+ Total Assets: Top 2.6% in tier
+ Total Loans: Top 2.6% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 11.0% in tier
- Indirect Auto Dependency: Bottom 13.2% in tier
- Liquidity Strain: Bottom 35.2% in tier
- Credit Quality Pressure: Bottom 44.9% in tier
- Indirect Auto Concentration (%): Bottom 1.3% 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 77 credit unions with $3B-$5B in assets nationally, and 1 of 6 that size in Texas.
Shares and deposits +11.3% year over year ($4.21B in shares and deposits).
Membership: 307,364 members, +5.6% vs a year ago.
Delinquency rate 0.45%.
Return on assets 1.62%.
Efficiency ratio 51.07% vs a 69.45% peer average.
Loan-to-share ratio 93.09% vs a 90.24% 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	307,364 +5.6% YoY-0.2% QoQ	+90.8K	216,545 -9.5% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	Top 9.1% in tier
Assets	$4.9B +11.6% YoY+2.4% QoQ	+$973.0M	$3.9B -1.6% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	Top 3.9% in tier
Loans	$3.9B +14.0% YoY+4.8% QoQ	+$990.9M	$2.9B -1.2% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	Top 3.9% in tier
Deposits	$4.2B +11.3% YoY+2.4% QoQ	+$955.7M	$3.3B -2.6% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	Top 1.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.6% +19.9% YoY+3.9% QoQ	+0.7%	0.9% +25.3% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	Top 5.2% in tier
NIM	3.0% +0.2% YoY+1.8% QoQ	-0.3%	3.2% +3.8% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	26%
Efficiency Ratio	51.1% -11.9% YoY-2.0% QoQ	-18.4%	69.5% -2.3% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	Top 1.3% in tier
Delinquency Rate	0.5% +14.4% YoY+7.5% QoQ	-0.4	0.8% +5.5% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	27%
Loan To Share	93.1% +2.5% YoY+2.4% QoQ	+2.9%	90.2% +0.9% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	47%
AMR	$26,467 +6.6% YoY+3.7% QoQ	$-5K	$31,018 +6.9% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	31%
CD Concentration	37.6% +6.6% YoY+1.6% QoQ	+8.5%	29.1%	21.6%	20.0%	84%
Indirect Auto %	57.7% +11.0% YoY+3.0% QoQ	+39.6%	18.1%	6.9%	7.7%	Bottom 1.3% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#81 of 125 • Top 21.8% in tier

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

Why This Signature

AMR Growth (YoY): 6.62%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | Rank worsening

Concerns (4)

Indirect Auto Dependency

risk

#8 of 193 • Bottom 13.2% in tier

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

Why This Signature

Asset Growth (YoY): 11.56%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 57.72%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 5.59%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Credit Risk Growth

risk

#66 of 170 • Bottom 11.0% in tier

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

Why This Signature

Loan Growth (YoY): 14.03%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Liquidity Strain

risk

#88 of 168 • Bottom 35.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.09%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 14.03%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk

#167 of 215 • Bottom 44.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | 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 77 peers in tier

Top Strengths (15 metrics)

Total Deposits

balance_sheet

Value: $4.21B

Peer Median: $3.34B

#1 of 77 Top 0.1% in 3B-5B tier

Efficiency Ratio

profitability

Value: 51.07%

Peer Median: 68.32%

#2 of 77 Top 1.3% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 730.081

Peer Median: 390.144

#2 of 77 Top 1.3% in 3B-5B tier

Total Assets

balance_sheet

Value: $4.88B

Peer Median: $3.97B

#3 of 77 Top 2.6% in 3B-5B tier

Total Loans

balance_sheet

Value: $3.92B

Peer Median: $2.91B

#3 of 77 Top 2.6% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 1.62%

Peer Median: 0.94%

#4 of 77 Top 3.9% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 14.00%

Peer Median: 32.92%

#4 of 77 Top 3.9% in 3B-5B tier

Total Members

engagement

Value: 307,364

Peer Median: 211,695

#7 of 77 Top 7.8% in 3B-5B tier

Deposit Growth Rate

growth

Value: 11.26%

Peer Median: 5.62%

#9 of 77 Top 10.4% in 3B-5B tier

Loan Growth Rate

growth

Value: 14.03%

Peer Median: 6.20%

#10 of 77 Top 11.7% in 3B-5B tier

Top Weaknesses (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 57.72%

Peer Median: 18.00%

#77 of 77 Bottom 1.3% in 3B-5B tier

Fee Income Per Member

profitability

Value: $147.38

Peer Median: $211.54

#59 of 77 Bottom 24.7% in 3B-5B tier