BlastPoint's Credit Union Scorecard

HARRIS COUNTY

Charter #7552 · TX

100M-500M

1024 CUs in 100M-500M nationally 74 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

+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.98% above tier average
+ Net Interest Margin 0.55% above tier average
+ Members Per Employee (MPE): Top 1.7% in tier
+ Net Worth Ratio: Top 1.9% in tier
+ Efficiency Ratio: Top 4.1% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Delinquency rate 0.74% above tier average
- Net Charge-Off Rate: Bottom 4.3% in tier
- Average Member Relationship (AMR): Bottom 5.1% in tier
- AMR Growth Rate: Bottom 6.5% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
Shares and deposits +2.1% year over year ($169M in shares and deposits).
Membership: 20,021 members, +2.3% vs a year ago.
Delinquency rate 1.62%.
Return on assets 1.84%.
Efficiency ratio 54.60% vs a 76.73% peer average.
Loan-to-share ratio 64.58% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	20,021 +2.3% YoY+0.0% QoQ	+4.9K	15,168 -2.6% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	77%
Assets	$223.3M +4.6% YoY+0.4% QoQ	$-8.7M	$232.0M +0.7% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	57%
Loans	$109.4M -6.1% YoY-1.0% QoQ	$-36.8M	$146.3M +0.2% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	41%
Deposits	$169.5M +2.1% YoY-0.7% QoQ	$-31.2M	$200.7M +0.2% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	49%

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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	1.8% -22.1% YoY-0.1% QoQ	+1.0%	0.9% +12.5% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	Top 5.3% in tier
NIM	4.2% +2.2% YoY+0.9% QoQ	+0.5%	3.7% +4.5% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	82%
Efficiency Ratio	54.6% +9.4% YoY-1.3% QoQ	-22.1%	76.7% -0.8% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	Top 4.1% in tier
Delinquency Rate	1.6% +28.7% YoY-1.5% QoQ	+0.7	0.9% +6.6% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	Bottom 11.5% in tier
Loan To Share	64.6% -8.0% YoY-0.3% QoQ	-7.0%	71.5% -0.3% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	33%
AMR	$13,931 -3.5% YoY-0.8% QoQ	$-11K	$25,107 +3.2% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	Bottom 5.0% in tier
CD Concentration	12.8% +13.9% YoY+5.1% QoQ	-11.7%	24.6%	21.6%	20.0%	50%
Indirect Auto %	2.7% +3.4% YoY-0.1% QoQ	-10.9%	13.6%	6.9%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#88 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.27%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.84%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 2.74%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank worsening

Emerging Performer

growth

#47 of 175 • 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: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 2.27%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank worsening

Organic Growth Leader

growth

#187 of 342 • 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): 2.27%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 2.74%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank worsening

Concerns (4)

Margin Compression

decline

#4 of 140 • 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: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 2.36%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.52% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Liquidity Overhang

risk

#23 of 130 • 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: 22.91%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 64.58%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY

Credit Quality Pressure

risk

#203 of 693 • 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): 0.36% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#84 of 223 • 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): -3.47%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 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 1024 peers in tier

Top Strengths (8 metrics)

Members Per Employee (MPE)

engagement

Value: 625.656

Peer Median: 310.924

#18 of 1024 Top 1.7% in 100M-500M tier

Net Worth Ratio

risk

Value: 22.91%

Peer Median: 11.71%

#20 of 1024 Top 1.9% in 100M-500M tier

Efficiency Ratio

profitability

Value: 54.60%

Peer Median: 77.26%

#43 of 1024 Top 4.1% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.84%

Peer Median: 0.75%

#54 of 1024 Top 5.2% in 100M-500M tier

160

Share Certificate Concentration (%)

balance_sheet

Value: 12.83%

Peer Median: 23.39%

#160 of 1024 Top 15.5% in 100M-500M tier

184

Net Interest Margin (NIM)

profitability

Value: 4.23%

Peer Median: 3.67%

#184 of 1024 Top 17.9% in 100M-500M tier

234

Total Members

engagement

Value: 20,021

Peer Median: 13,128

#234 of 1024 Top 22.8% in 100M-500M tier

254

Member Growth Rate

growth

Value: 2.27%

Peer Median: -0.03%

#254 of 1024 Top 24.7% in 100M-500M tier

Top Weaknesses (6 metrics)

981

Net Charge-Off Rate

risk

Value: 1.40%

Peer Median: 0.34%

#981 of 1024 Bottom 4.3% in 100M-500M tier

973

Average Member Relationship (AMR)

engagement

Value: $13,931

Peer Median: $23,006

#973 of 1024 Bottom 5.1% in 100M-500M tier

958

AMR Growth Rate

growth

Value: -3.47%

Peer Median: 3.53%

#958 of 1024 Bottom 6.5% in 100M-500M tier

944

Loan Growth Rate

growth

Value: -6.08%

Peer Median: 3.02%

#944 of 1024 Bottom 7.9% in 100M-500M tier

935

Loan-to-Member Ratio (LMR)

engagement

Value: $5,466

Peer Median: $9,434

#935 of 1024 Bottom 8.8% in 100M-500M tier

907

Total Delinquency Rate (60+ days)

risk

Value: 1.62%

Peer Median: 0.71%

#907 of 1024 Bottom 11.5% in 100M-500M tier