BlastPoint's Credit Union Scorecard
GREATER TEXAS
Charter #7590 · TX
GREATER TEXAS has 4 strengths but faces 11 concerns
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
- + Wallet Share Momentum: Top 46.7% in tier
- + Total Deposits: Top 3.6% in tier
- + Total Loans: Top 6.2% in tier
- + Total Members: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 3.4% in tier
- - Membership Headwinds: Bottom 4.8% in tier
- - Institutional Decline: Bottom 6.7% in tier
- - Stagnation Risk: Bottom 10.2% in tier
- - Efficiency Drag: Bottom 29.3% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 6.13% above tier (higher cost structure)
- - Member decline: -6.2% YoY
- - Net Worth Ratio: Bottom 2.7% in tier
- - Indirect Auto Concentration (%): Bottom 4.5% in tier
- - Member Growth Rate: Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75,501
-6.2% YoY-0.0% QoQ
|
+23.4K |
52,114
-2.1% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 8.9% in tier |
| Assets |
$957.3M
+2.6% YoY+0.2% QoQ
|
+$98.3M |
$859.0M
+0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 11.6% in tier |
| Loans |
$749.2M
-1.3% YoY-0.5% QoQ
|
+$145.9M |
$603.4M
+1.0% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 7.1% in tier |
| Deposits |
$868.5M
+3.2% YoY-0.2% QoQ
|
+$134.4M |
$734.2M
+0.9% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Top 4.5% in tier |
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| ROA |
0.5%
-200.2% YoY-443.4% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
32% |
| NIM |
3.3%
+9.9% YoY+1.7% QoQ
|
-0.1% |
3.4%
+9.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
43% |
| Efficiency Ratio |
80.7%
-17.4% YoY-10.8% QoQ
|
+6.1% |
74.5%
-3.2% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
71% |
| Delinquency Rate |
0.7%
-22.7% YoY-7.5% QoQ
|
-0.2 |
0.8%
+5.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
50% |
| Loan To Share |
86.3%
-4.4% YoY-0.3% QoQ
|
+3.6% |
82.7%
+0.1% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
47% |
| AMR |
$21,427
+7.7% YoY-0.4% QoQ
|
$-7K |
$28,651
+2.5% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
22.1%
+23.6% YoY+5.0% QoQ
|
-2.3% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
42% |
| Indirect Auto % |
46.8%
-4.2% YoY-3.4% QoQ
|
+32.8% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Top 4.5% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)