BlastPoint's Credit Union Scorecard

HARRIS COUNTY

Charter #7552 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

HARRIS COUNTY has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 1.11% above tier average
+ Net Interest Margin 0.57% above tier average
+ Net Worth Ratio: Top 1.6% in tier
+ Efficiency Ratio: Top 4.3% in tier
+ Members Per Employee (MPE): Top 5.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Delinquency rate 0.87% above tier average
- Average Member Relationship (AMR): Bottom 6.2% in tier
- AMR Growth Rate: Bottom 6.4% in tier
- Loan Growth Rate: Bottom 7.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	20,015 +3.2% YoY+0.5% QoQ	+4.9K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	77%
Assets	$222.5M +4.4% YoY+2.1% QoQ	$-9.2M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	57%
Loans	$110.5M -6.3% YoY-2.6% QoQ	$-33.6M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	43%
Deposits	$170.6M +2.6% YoY+1.2% QoQ	$-30.5M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	50%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.8% -5.9% YoY-3.8% QoQ	+1.1%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Top 5.2% in tier
NIM	4.2% +0.4% YoY-0.8% QoQ	+0.6%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	82%
Efficiency Ratio	55.3% +3.1% YoY+1.7% QoQ	-22.7%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Top 4.3% in tier
Delinquency Rate	1.6% +29.9% YoY+0.9% QoQ	+0.9	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Bottom 8.5% in tier
Loan To Share	64.8% -8.7% YoY-3.7% QoQ	-5.7%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	35%
AMR	$14,047 -4.1% YoY-0.8% QoQ	$-11K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	Bottom 6.1% in tier
CD Concentration	12.2% +16.6% YoY+0.6% QoQ	-12.1%	24.3%	21.3%	19.8%	50%
Indirect Auto %	2.7% -1.3% YoY+10.7% QoQ	-11.1%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (3)

Emerging Performer

growth

#27 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.84%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 3.16%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Organic Growth Engine

growth

#60 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.16%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.84%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 2.74%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#148 of 371 • Top 50.0% in tier

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

Why This Signature

Member Growth (YoY): 3.16%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 2.74%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (4)

Liquidity Overhang

risk

#22 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 22.53%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 64.76%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY

Credit Quality Pressure

risk

#177 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.38% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#76 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -4.14%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Margin Compression

decline

#59 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.84%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.96%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.12% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

Net Worth Ratio

risk

Value: 22.53%

Peer Median: 11.45%

#18 of 1070 Top 1.6% in 100M-500M tier

Efficiency Ratio

profitability

Value: 55.34%

Peer Median: 78.68%

#47 of 1070 Top 4.3% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.84%

Peer Median: 0.69%

#56 of 1070 Top 5.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 513.205

Peer Median: 309.176

#57 of 1070 Top 5.2% in 100M-500M tier

156

Share Certificate Concentration (%)

balance_sheet

Value: 12.21%

Peer Median: 23.10%

#156 of 1070 Top 14.5% in 100M-500M tier

190

Net Interest Margin (NIM)

profitability

Value: 4.20%

Peer Median: 3.62%

#190 of 1070 Top 17.7% in 100M-500M tier

202

Member Growth Rate

growth

Value: 3.16%

Peer Median: -0.06%

#202 of 1070 Top 18.8% in 100M-500M tier

245

Total Members

engagement

Value: 20,015

Peer Median: 13,200

#245 of 1070 Top 22.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1005

Average Member Relationship (AMR)

engagement

Value: $14,047

Peer Median: $22,931

#1005 of 1070 Bottom 6.2% in 100M-500M tier

1003

AMR Growth Rate

growth

Value: -4.14%

Peer Median: 3.46%

#1003 of 1070 Bottom 6.4% in 100M-500M tier

994

Loan Growth Rate

growth

Value: -6.35%

Peer Median: 2.93%

#994 of 1070 Bottom 7.2% in 100M-500M tier

991

Net Charge-Off Rate

risk

Value: 1.21%

Peer Median: 0.35%

#991 of 1070 Bottom 7.5% in 100M-500M tier

980

Total Delinquency Rate (60+ days)

risk

Value: 1.65%

Peer Median: 0.61%

#980 of 1070 Bottom 8.5% in 100M-500M tier

966

Loan-to-Member Ratio (LMR)

engagement

Value: $5,522

Peer Median: $9,356

#966 of 1070 Bottom 9.8% in 100M-500M tier