BlastPoint's Credit Union Scorecard
TEXELL
Charter #68608 · TX
TEXELL has 5 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 43.8% in tier
- + Organic Growth Leader: Top 57.2% in tier
- + ROA 0.30% above tier average
- + Net Interest Margin 0.54% above tier average
- + Fee Income Per Member: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 88.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
54,171
+2.2% YoY+0.5% QoQ
|
+2.1K |
52,084
-1.6% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
56% |
| Assets |
$773.5M
+2.9% YoY+0.3% QoQ
|
$-90.4M |
$863.9M
+0.5% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.0% in tier |
| Loans |
$618.8M
+3.9% YoY+3.5% QoQ
|
+$13.0M |
$605.8M
+1.4% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
45% |
| Deposits |
$678.7M
+2.3% YoY+0.2% QoQ
|
$-58.6M |
$737.3M
+0.1% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
1.0%
+61.8% YoY-8.7% QoQ
|
+0.3% |
0.7%
+39.1% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
3.9%
+11.6% YoY+0.4% QoQ
|
+0.5% |
3.4%
+8.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
70.5%
-8.5% YoY-0.2% QoQ
|
-3.9% |
74.3%
-3.6% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.5%
-17.6% YoY+0.0% QoQ
|
-0.4 |
0.9%
+3.8% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
91.2%
+1.6% YoY+3.3% QoQ
|
+8.6% |
82.6%
+1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$23,952
+0.8% YoY+1.3% QoQ
|
$-5K |
$28,873
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
34.0%
-7.4% YoY-3.1% QoQ
|
+9.6% | 24.4% | 21.2% | 19.8% | 82% |
| Indirect Auto % |
7.5%
-25.3% YoY-14.0% QoQ
|
-6.3% | 13.8% | 7.1% | 7.8% | 49% |
Signature Analysis
Strengths (2)
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.
Concerns (1)
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)