BlastPoint's Credit Union Scorecard

HARRIS COUNTY

Charter #7552 · TX

1077 CUs in 100M-500M nationally 79 in TX

HARRIS COUNTY has 8 strengths but faces 6 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

+ Organic Growth Engine: Top 3.5% in tier
+ Organic Growth Leader: Top 13.3% in tier
+ Emerging Performer: Top 14.7% in tier
+ Profitability Leader: Top 15.0% in tier
+ ROA 1.08% above tier average
+ Net Interest Margin 0.60% above tier average
+ Net Worth Ratio: Top 1.6% in tier
+ Efficiency Ratio: Top 4.1% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 5.3% in tier
- Shrinking Wallet Share: Bottom 8.5% in tier
- Liquidity Overhang: Bottom 15.8% in tier
- Delinquency rate 0.85% above tier average
- AMR Growth Rate: Bottom 6.0% in tier
- Average Member Relationship (AMR): Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	19,731 +3.0% YoY+0.8% QoQ	+4.1K	15,628 -3.4% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	74%
Assets	$215.5M +3.4% YoY+0.9% QoQ	$-15.8M	$231.3M -0.0% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	55%
Loans	$115.3M -4.6% YoY-1.0% QoQ	$-32.5M	$147.8M -1.4% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	45%
Deposits	$166.9M +1.4% YoY+0.5% QoQ	$-33.4M	$200.3M -0.0% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	48%

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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	1.9% +13.3% YoY-21.0% QoQ	+1.1%	0.8% +15.5% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	Top 4.4% in tier
NIM	4.2% +6.0% YoY+1.0% QoQ	+0.6%	3.6% +6.9% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	82%
Efficiency Ratio	54.6% -4.1% YoY+9.4% QoQ	-22.7%	77.3% -3.0% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	Bottom 4.1% in tier
Delinquency Rate	1.7% +43.6% YoY+35.2% QoQ	+0.8	0.9% +7.6% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	Top 10.7% in tier
Loan To Share	69.1% -5.9% YoY-1.6% QoQ	-3.6%	72.7% -1.5% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	39%
AMR	$14,303 -4.0% YoY-0.9% QoQ	$-10K	$24,363 +2.9% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	Bottom 7.5% in tier
CD Concentration	11.9% +19.7% YoY+5.2% QoQ	-12.6%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	2.4% -15.9% YoY-7.6% QoQ	-11.5%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#66 of 603 • Top 3.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.00%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.86%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 2.45%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY

Organic Growth Leader

growth

#176 of 430 • Top 13.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.00%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 2.45%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Emerging Performer

growth

#29 of 191 • Top 14.7% 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: 1.86%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 3.00%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank improving

Profitability Leader

growth

#52 of 340 • Top 15.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.86%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.22% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (3)

Credit Quality Pressure

risk

#133 of 736 • Bottom 5.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.52% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#86 of 244 • Bottom 8.5% in tier

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

Why This Signature

AMR Growth (YoY): -4.01%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Liquidity Overhang

risk

#22 of 134 • Bottom 15.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 22.25%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 69.09%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY

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 1077 peers in tier

Top Strengths (7 metrics)

Net Worth Ratio

risk

Value: 22.25%

Peer Avg: -

#18 of 1077 Top 1.6% in 100M-500M tier

Efficiency Ratio

profitability

Value: 54.61%

Peer Avg: -

#45 of 1077 Top 4.1% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.86%

Peer Avg: -

#47 of 1077 Top 4.3% in 100M-500M tier

110

Members Per Employee (MPE)

engagement

Value: 458.860

Peer Avg: -

#110 of 1077 Top 10.1% in 100M-500M tier

152

Share Certificate Concentration (%)

balance_sheet

Value: 11.86%

Peer Avg: -

#152 of 1077 Top 14.0% in 100M-500M tier

188

Net Interest Margin (NIM)

profitability

Value: 4.19%

Peer Avg: -

#188 of 1077 Top 17.4% in 100M-500M tier

212

Member Growth Rate

growth

Value: 3.00%

Peer Avg: -

#212 of 1077 Top 19.6% in 100M-500M tier

Top Weaknesses (6 metrics)

1013

AMR Growth Rate

growth

Value: -4.01%

Peer Avg: -

#1013 of 1077 Bottom 6.0% in 100M-500M tier

996

Average Member Relationship (AMR)

engagement

Value: $14,303

Peer Avg: -

#996 of 1077 Bottom 7.6% in 100M-500M tier

969

Net Charge-Off Rate

risk

Value: 0.95%

Peer Avg: -

#969 of 1077 Bottom 10.1% in 100M-500M tier

963

Total Delinquency Rate (60+ days)

risk

Value: 1.70%

Peer Avg: -

#963 of 1077 Bottom 10.7% in 100M-500M tier

942

Loan-to-Member Ratio (LMR)

engagement

Value: $5,844

Peer Avg: -

#942 of 1077 Bottom 12.6% in 100M-500M tier

920

Loan Growth Rate

growth

Value: -4.60%

Peer Avg: -

#920 of 1077 Bottom 14.7% in 100M-500M tier