BlastPoint's Credit Union Scorecard
TEXAS TRUST
Charter #68434 · TX
TEXAS TRUST faces 6 concerns requiring attention
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
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 38.6% in tier
- - Credit Quality Pressure: Bottom 58.2% in tier
- - Credit Risk Growth: Bottom 62.6% in tier
- - Indirect Auto Dependency: Bottom 80.0% in tier
- - ROA 0.12% below tier average
- - Delinquency rate 0.16% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
138,569
+0.2% YoY+1.4% QoQ
|
+42.5K |
96,048
-2.7% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
84% |
| Assets |
$2.1B
+1.9% YoY-0.0% QoQ
|
+$348.0M |
$1.7B
+0.4% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
71% |
| Loans |
$1.5B
+3.3% YoY+1.0% QoQ
|
+$309.7M |
$1.2B
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
74% |
| Deposits |
$1.7B
+2.8% YoY+0.9% QoQ
|
+$227.0M |
$1.5B
+0.5% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
68% |
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| ROA |
0.6%
+269.8% YoY-3.0% QoQ
|
-0.1% |
0.7%
+27.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
44% |
| NIM |
2.9%
+22.4% YoY+10.5% QoQ
|
-0.4% |
3.4%
+6.2% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
18% |
| Efficiency Ratio |
70.5%
-12.6% YoY-2.2% QoQ
|
-4.1% |
74.6%
-3.0% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
33% |
| Delinquency Rate |
0.9%
+0.3% YoY-17.3% QoQ
|
+0.2 |
0.8%
+6.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
76% |
| Loan To Share |
90.0%
+0.5% YoY+0.1% QoQ
|
+6.8% |
83.2%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
65% |
| AMR |
$23,208
+2.8% YoY-0.5% QoQ
|
$-6K |
$29,652
+2.3% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
21% |
| CD Concentration |
30.5%
+1.0% YoY-1.2% QoQ
|
+1.7% | 28.8% | 21.3% | 19.8% | 58% |
| Indirect Auto % |
27.4%
+7.1% YoY+4.6% QoQ
|
+9.3% | 18.1% | 6.9% | 7.7% | 73% |
Signature Analysis
Strengths (0)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)