BlastPoint's Credit Union Scorecard
TEXAS TRUST
Charter #68434 · TX
TEXAS TRUST has 1 strength 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
- + Organic Growth Engine: Top 93.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 35.7% in tier
- - Credit Risk Growth: Bottom 58.9% in tier
- - Indirect Auto Dependency: Bottom 69.2% in tier
- - ROA 0.07% below tier average
- - Delinquency rate 0.21% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
136,598
+0.9% YoY+0.8% QoQ
|
+39.2K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$2.1B
+4.0% YoY+1.2% QoQ
|
+$344.9M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
71% |
| Loans |
$1.5B
+3.9% YoY+0.1% QoQ
|
+$273.3M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$1.7B
+5.2% YoY+0.4% QoQ
|
+$217.7M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
0.6%
+88.9% YoY+39.4% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
2.6%
+25.1% YoY+1.8% QoQ
|
-0.6% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.9% in tier |
| Efficiency Ratio |
72.1%
-9.8% YoY-6.2% QoQ
|
-2.0% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
1.1%
+22.8% YoY+6.1% QoQ
|
+0.2 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
89.9%
-1.2% YoY-0.3% QoQ
|
+5.1% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$23,315
+3.7% YoY-0.5% QoQ
|
$-6K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration |
30.9%
-0.2% YoY+0.1% QoQ
|
+1.8% | 29.0% | 21.2% | 19.8% | 59% |
| Indirect Auto % |
26.2%
+4.4% YoY+0.7% QoQ
|
+7.8% | 18.3% | 7.1% | 7.8% | 70% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)