TEXAS TRUST

Charter #68434 | TX

1B-3B (304 CUs) Mid-Market (380 CUs)
26 1B-3B in TX

TEXAS TRUST has 2 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 10.2% in tier
  • + Wallet Share Momentum: Top 19.4% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 2.9% in tier
  • - Growth-at-Risk: 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
 Top 19.4% in tier
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
 69th in tier
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
 73rd in tier
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
 68th in tier
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
 26th in tier
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
 60th in tier
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
 Top 22.4% in tier
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
 56th in tier
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
 Bottom 23.7% in tier
CD Concentration 30.8%
+0.2% YoY+1.0% QoQ
 +1.9% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 62nd in tier
Indirect Auto % 26.0%
+1.4% YoY-0.2% QoQ
 +7.2% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 68th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#75 of 264 • Top 10.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.13%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.8K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#141 of 264 • Top 19.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.13%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (7)

Credit Quality Pressure

risk
#23 of 217 • Bottom 2.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.44% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Growth-at-Risk

risk
#66 of 161 • Bottom 11.7% in tier

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

Why This Signature
Loan Growth (YoY): 2.90%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.44% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#150 of 202 • Bottom 24.2% in tier

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

Why This Signature
Asset Growth (YoY): 1.06%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 25.98%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.52%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Liquidity Strain

risk
#173 of 183 • Bottom 32.8% in tier

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

Why This Signature
Loan-to-Share Ratio: 90.18%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 2.90%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Membership Headwinds

decline
#83 of 85 • Bottom 34.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.52%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Stagnation Risk

risk
#83 of 85 • Bottom 34.3% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.44%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.52%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $23.4K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 30.85%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Flatlined Growth

risk
#16 of 18 • Bottom 42.9% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $2.04B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 1.06%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Return on Assets: 0.44%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
18 of 380 Mid-Market CUs have this signature | 82 nationally
→ Stable (18→18 CUs) | 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)

Comparing against 304 peers in tier

Top Strengths (1 metrics)

59
Total Members
engagement
Value: 135,470
Peer Avg: 98,678
#59 of 304 Top 19.1% in 1B-3B tier

Top Weaknesses (3 metrics)

261
Net Interest Margin (NIM)
profitability
Value: 2.59%
Peer Avg: 3.26%
#261 of 304 Bottom 14.5% in 1B-3B tier
237
Total Delinquency Rate (60+ days)
risk
Value: 1.05%
Peer Avg: 0.83%
#237 of 304 Bottom 22.4% in 1B-3B tier
232
Average Member Relationship (AMR)
engagement
Value: $23,442
Peer Avg: $29,172
#232 of 304 Bottom 24.0% in 1B-3B tier