BlastPoint's Credit Union Scorecard
GREATER TEXAS
Charter #7590 · TX
GREATER TEXAS has 5 strengths but faces 8 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 14.2% in tier
- + Total Assets: Top 0.1% in tier
- + Total Deposits: Top 0.1% in tier
- + Total Loans: Top 0.9% in tier
- + Total Members: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 40.0% in tier
- - Indirect Auto Dependency: Bottom 50.3% in tier
- - Membership Headwinds: Bottom 78.4% in tier
- - Stagnation Risk: Bottom 78.4% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 5.72% above tier (higher cost structure)
- - Member decline: -2.5% YoY
- - Net Worth Ratio: Bottom 1.8% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 10 that size in Texas.
- Shares and deposits +4.2% year over year ($907M in shares and deposits).
- Membership: 73,634 members, -2.5% vs a year ago.
- Delinquency rate 0.53%.
- Return on assets 0.44%.
- Efficiency ratio 80.25% vs a 74.54% peer average.
- Loan-to-share ratio 89.32% vs a 82.60% 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 |
73,634
-2.5% YoY-2.2% QoQ
|
+21.2K |
52,482
+1.3% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Top 8.1% in tier |
| Assets |
$995.4M
+4.2% YoY+0.7% QoQ
|
+$131.5M |
$863.9M
+0.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Top 0.9% in tier |
| Loans |
$810.0M
+7.6% YoY+5.6% QoQ
|
+$202.2M |
$607.8M
+2.1% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Top 1.8% in tier |
| Deposits |
$906.8M
+4.2% YoY+0.5% QoQ
|
+$166.9M |
$739.9M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Top 0.9% in tier |
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| ROA |
0.4%
-414.9% YoY-1.9% QoQ
|
-0.4% |
0.8%
+30.4% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
25% |
| NIM |
3.4%
+3.7% YoY+2.2% QoQ
|
-0.1% |
3.5%
+6.2% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
38% |
| Efficiency Ratio |
80.3%
-11.3% YoY+0.2% QoQ
|
+5.7% |
74.5%
-1.4% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
0.5%
-25.6% YoY-14.0% QoQ
|
-0.3 |
0.8%
+1.0% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
34% |
| Loan To Share |
89.3%
+3.3% YoY+5.1% QoQ
|
+6.7% |
82.6%
+1.9% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$23,316
+8.4% YoY+5.1% QoQ
|
$-5K |
$28,702
+0.4% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
23.7%
+12.6% YoY+1.3% QoQ
|
-0.8% | 24.6% | 21.6% | 20.0% | 47% |
| Indirect Auto % |
39.2%
-19.1% YoY-7.7% QoQ
|
+25.5% | 13.6% | 6.9% | 7.7% | Bottom 8.7% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining 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)