BlastPoint's Credit Union Scorecard
TEXELL
Charter #68608 · TX
TEXELL has 6 strengths but faces 1 concern
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 11.6% in tier
- + Organic Growth Leader: Top 15.3% in tier
- + Profitability Leader: Top 94.7% 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
|
54% |
| 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
|
44% |
| 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
|
20% |
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| 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
|
80% |
| 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
|
83% |
| 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
|
31% |
| 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
|
27% |
| 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
|
55% |
| 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
|
40% |
| 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
|
85% |
| Indirect Auto % |
8.7%
-14.5% YoY-6.4% QoQ
|
-5.3% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
51% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (1)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)