BlastPoint's Credit Union Scorecard

TEXELL

Charter #68608 · TX

Community 750M-1B
117 CUs in 750M-1B nationally 12 in TX
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TEXELL has 5 strengths but faces 2 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 35.8% in tier
  • + Organic Growth Leader: Top 35.8% in tier
  • + ROA 0.64% above tier average
  • + Net Interest Margin 0.57% above tier average
  • + Fee Income Per Member: Top 4.3% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 42.1% in tier
  • - Credit Quality Pressure: Bottom 51.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 54,334
+1.3% YoY+0.3% QoQ
 +2.8K 51,500
+0.7% YoY
 29,039
+7.4% YoY
 33,913
+5.7% YoY
 60%
Assets $790.7M
+2.8% YoY+2.2% QoQ
 $-74.9M $865.6M
+0.9% YoY
 $450.8M
+10.3% YoY
 $578.3M
+9.0% YoY
 20%
Loans $618.2M
+4.5% YoY-0.1% QoQ
 +$23.0M $595.3M
+1.6% YoY
 $318.1M
+8.9% YoY
 $402.4M
+8.7% YoY
 50%
Deposits $693.7M
+2.2% YoY+2.2% QoQ
 $-48.5M $742.2M
+0.6% YoY
 $378.7M
+10.8% YoY
 $494.3M
+9.1% YoY
 28%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.4%
+208.0% YoY+34.3% QoQ
 +0.6% 0.8%
+45.0% YoY
 -0.2%
-134.7% YoY
 0.4%
-39.2% YoY
 Top 13.7% in tier
NIM 4.0%
+5.5% YoY+2.1% QoQ
 +0.6% 3.5%
+6.1% YoY
 3.9%
-0.7% YoY
 3.8%
+4.1% YoY
 85%
Efficiency Ratio 68.1%
-12.2% YoY-3.4% QoQ
 -7.4% 75.5%
-3.4% YoY
 98.7%
+20.4% YoY
 84.6%
+2.8% YoY
 20%
Delinquency Rate 0.5%
+2.9% YoY+9.1% QoQ
 -0.2 0.7%
-0.1% YoY
 1.2%
+13.1% YoY
 1.2%
+3.4% YoY
 44%
Loan To Share 89.1%
+2.3% YoY-2.3% QoQ
 +8.5% 80.6%
+0.7% YoY
 69.5%
-2.6% YoY
 65.6%
-1.4% YoY
 70%
AMR $24,146
+1.9% YoY+0.8% QoQ
 $-5K $28,908
+0.7% YoY
 $17,820
+2.9% YoY
 $19,920
+1.6% YoY
 38%
CD Concentration 32.7%
-5.8% YoY-3.7% QoQ
 +8.5% 24.3% 21.3% 19.8% 79%
Indirect Auto % 6.6%
-32.8% YoY-11.6% QoQ
 -7.2% 13.8% 6.9% 7.7% 47%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#202 of 352 • Top 35.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.34%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 1.40%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 6.62%
(Tier: 13.80%, National: 7.73%)
better than tier avg
499 nationally
→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth
#278 of 371 • Top 35.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.34%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 6.62%
(Tier: 13.80%, National: 7.73%)
better than tier avg
518 nationally
→ No prior data (371 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk
#429 of 476 • Bottom 42.1% in tier

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

Why This Signature
Loan Growth (YoY): 4.52%
(Tier: 4.14%, National: 1.74%)
but better than tier avg
Delinquency Change (YoY): 0.01% points
(Tier: 0.03% points, National: 0.12% points)
but better than tier avg
710 nationally
→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk
#680 of 727 • Bottom 51.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.03% points, National: 0.12% points)
but better than tier avg
1013 nationally
↓ Shrinking -60 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 117 peers in tier

Top Strengths (5 metrics)

6
Fee Income Per Member
profitability
Value: $401.42
Peer Median: $187.56
#6 of 117 Top 4.3% in 750M-1B tier
16
Return on Assets (ROA)
profitability
Value: 1.40%
Peer Median: 0.63%
#16 of 117 Top 12.8% in 750M-1B tier
17
First Mortgage Concentration (%)
balance_sheet
Value: 19.50%
Peer Median: 32.60%
#17 of 117 Top 13.7% in 750M-1B tier
18
Net Interest Margin (NIM)
profitability
Value: 4.02%
Peer Median: 3.47%
#18 of 117 Top 14.5% in 750M-1B tier
25
Efficiency Ratio
profitability
Value: 68.11%
Peer Median: 77.38%
#25 of 117 Top 20.5% in 750M-1B tier

Top Weaknesses (3 metrics)

102
Net Charge-Off Rate
risk
Value: 1.09%
Peer Median: 0.47%
#102 of 117 Bottom 13.7% in 750M-1B tier
98
Members Per Employee (MPE)
engagement
Value: 263.757
Peer Median: 328.468
#98 of 117 Bottom 17.1% in 750M-1B tier
93
Total Assets
balance_sheet
Value: $790.71M
Peer Median: $858.87M
#93 of 117 Bottom 21.4% in 750M-1B tier
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