TEXELL

Charter #68608 | TX

750M-1B (112 CUs) Community (281 CUs)
12 750M-1B in TX

TEXELL has 5 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 11.6% in tier
  • + Organic Growth Leader: Top 15.3% in tier
  • + ROA 0.43% above tier average
  • + Net Interest Margin 0.54% above tier average
  • + Fee Income Per Member: Top 2.7% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 16.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 53,927
+2.6% YoY+0.7% QoQ
 +1.8K 52,114
-2.1% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 54th in tier
Assets $771.2M
+2.4% YoY+0.7% QoQ
 $-87.8M $859.0M
+0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Bottom 12.5% in tier
Loans $597.9M
-0.4% YoY-0.4% QoQ
 $-5.4M $603.4M
+1.0% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 44th in tier
Deposits $677.5M
+1.8% YoY+0.6% QoQ
 $-56.6M $734.2M
+0.9% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Bottom 19.6% in tier
ROA 1.1%
+69.0% YoY+28.7% QoQ
 +0.4% 0.7%
+27.6% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Top 20.5% in tier
NIM 3.9%
+12.5% YoY+1.8% QoQ
 +0.5% 3.4%
+9.6% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Top 17.0% in tier
Efficiency Ratio 70.6%
-8.6% YoY-3.0% QoQ
 -3.9% 74.5%
-3.2% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 31st in tier
Delinquency Rate 0.5%
-61.4% YoY-23.6% QoQ
 -0.4 0.8%
+5.0% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 27th in tier
Loan To Share 88.3%
-2.2% YoY-1.0% QoQ
 +5.6% 82.7%
+0.1% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 55th in tier
AMR $23,652
-1.9% YoY-0.6% QoQ
 $-5K $28,651
+2.5% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 40th in tier
CD Concentration 35.1%
-3.2% YoY+2.7% QoQ
 +10.7% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 Top 15.2% in tier
Indirect Auto % 8.7%
-14.5% YoY-6.4% QoQ
 -5.2% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 51st in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#213 of 603 • Top 11.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.65%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.14%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 8.72%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#202 of 430 • Top 15.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.65%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (1)

Shrinking Wallet Share

decline
#161 of 244 • Bottom 16.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.87%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 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)

Comparing against 112 peers in tier

Top Strengths (4 metrics)

4
Fee Income Per Member
profitability
Value: $446.94
Peer Avg: $204.75
#4 of 112 Top 2.7% in 750M-1B tier
19
Net Interest Margin (NIM)
profitability
Value: 3.92%
Peer Avg: 3.38%
#19 of 112 Top 16.1% in 750M-1B tier
23
Return on Assets (ROA)
profitability
Value: 1.14%
Peer Avg: 0.71%
#23 of 112 Top 19.6% in 750M-1B tier
23
First Mortgage Concentration (%)
balance_sheet
Value: 19.75%
Peer Avg: 33.64%
#23 of 112 Top 19.6% in 750M-1B tier

Top Weaknesses (8 metrics)

100
AMR Growth Rate
growth
Value: -1.87%
Peer Avg: 4.90%
#100 of 112 Bottom 11.6% in 750M-1B tier
98
Members Per Employee (MPE)
engagement
Value: 255.578
Peer Avg: 361.634
#98 of 112 Bottom 13.4% in 750M-1B tier
98
Total Assets
balance_sheet
Value: $771.18M
Peer Avg: $859.01M
#98 of 112 Bottom 13.4% in 750M-1B tier
97
Net Charge-Off Rate
risk
Value: 1.08%
Peer Avg: 0.61%
#97 of 112 Bottom 14.3% in 750M-1B tier
90
Total Deposits
balance_sheet
Value: $677.53M
Peer Avg: $734.17M
#90 of 112 Bottom 20.5% in 750M-1B tier
89
Share Certificate Concentration (%)
balance_sheet
Value: 35.11%
Peer Avg: 28.34%
#89 of 112 Bottom 21.4% in 750M-1B tier
87
Loan Growth Rate
growth
Value: -0.42%
Peer Avg: 4.84%
#87 of 112 Bottom 23.2% in 750M-1B tier
87
Deposit Growth Rate
growth
Value: 1.77%
Peer Avg: 5.03%
#87 of 112 Bottom 23.2% in 750M-1B tier