BlastPoint's Credit Union Scorecard
TEXAS TRUST
Charter #68434 · TX
TEXAS TRUST faces 10 concerns requiring attention
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Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.9% in tier
- - Credit Risk Growth: Bottom 11.7% in tier
- - Indirect Auto Dependency: Bottom 24.2% in tier
- - Liquidity Strain: Bottom 32.8% in tier
- - Membership Headwinds: Bottom 34.3% in tier
- - Stagnation Risk: Bottom 34.3% in tier
- - Flatlined Growth: Bottom 42.9% in tier
- - ROA 0.27% below tier average
- - Efficiency ratio 2.93% above tier (higher cost structure)
- - Delinquency rate 0.22% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
135,470
-0.5% YoY+0.4% QoQ
|
+36.8K |
98,678
-1.9% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
81% |
| Assets |
$2.0B
+1.1% YoY+0.8% QoQ
|
+$324.2M |
$1.7B
+0.5% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
69% |
| Loans |
$1.5B
+2.9% YoY+0.5% QoQ
|
+$272.8M |
$1.2B
+0.5% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
73% |
| Deposits |
$1.7B
+4.2% YoY+1.7% QoQ
|
+$215.5M |
$1.5B
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
68% |
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| ROA |
0.4%
+143.9% YoY+18.4% QoQ
|
-0.3% |
0.7%
+13.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
2.6%
+26.8% YoY+3.9% QoQ
|
-0.7% |
3.3%
+9.3% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.1% in tier |
| Efficiency Ratio |
76.9%
-9.2% YoY-1.4% QoQ
|
+2.9% |
74.0%
-10.9% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
60% |
| Delinquency Rate |
1.0%
+73.9% YoY+2.2% QoQ
|
+0.2 |
0.8%
+6.1% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
90.2%
-1.3% YoY-1.2% QoQ
|
+5.0% |
85.2%
-0.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$23,442
+4.1% YoY+0.6% QoQ
|
$-6K |
$29,172
+2.8% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
24% |
| CD Concentration |
30.8%
+0.2% YoY+1.0% QoQ
|
+1.9% |
29.0%
+0.7% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
62% |
| Indirect Auto % |
26.0%
+1.4% YoY-0.2% QoQ
|
+7.2% |
18.8%
-3.0% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
68% |
Signature Analysis
Strengths (0)
Concerns (7)
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)