BlastPoint's Credit Union Scorecard

GREATER TEXAS

Charter #7590 · TX

Community 750M-1B

117 CUs in 750M-1B nationally 11 in TX

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GREATER TEXAS has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Deposits: Top 0.9% in tier
+ Total Assets: Top 4.3% in tier
+ Total Loans: Top 5.1% in tier
+ Total Members: Top 8.5% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 12.9% in tier
- Membership Headwinds: Bottom 73.2% in tier
- Stagnation Risk: Bottom 74.0% in tier
- Efficiency Drag: Bottom 95.5% in tier
- ROA 0.24% below tier average
- Efficiency ratio 5.79% above tier (higher cost structure)
- Net Worth Ratio: Bottom 2.6% in tier
- Indirect Auto Concentration (%): Bottom 4.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	75,495 -1.5% YoY-0.0% QoQ	+23.4K	52,084 -1.6% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	Top 9.4% in tier
Assets	$980.0M +4.7% YoY+2.4% QoQ	+$116.1M	$863.9M +0.5% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	Top 5.1% in tier
Loans	$752.3M +0.7% YoY+0.4% QoQ	+$146.5M	$605.8M +1.4% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	Top 6.0% in tier
Deposits	$892.6M +5.0% YoY+2.8% QoQ	+$155.3M	$737.3M +0.1% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	Top 1.7% in tier

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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	0.5% -252.7% YoY+4.5% QoQ	-0.2%	0.7% +39.1% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	32%
NIM	3.3% +7.5% YoY+0.0% QoQ	-0.1%	3.4% +8.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	43%
Efficiency Ratio	80.1% -14.7% YoY-0.6% QoQ	+5.8%	74.3% -3.6% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	66%
Delinquency Rate	0.6% -34.1% YoY-7.7% QoQ	-0.3	0.9% +3.8% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	38%
Loan To Share	84.3% -4.1% YoY-2.3% QoQ	+1.7%	82.6% +1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	44%
AMR	$21,788 +4.6% YoY+1.7% QoQ	$-7K	$28,873 +2.7% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	29%
CD Concentration	23.1% +23.8% YoY+4.5% QoQ	-1.3%	24.4%	21.2%	19.8%	45%
Indirect Auto %	46.1% -4.9% YoY-1.4% QoQ	+32.3%	13.8%	7.1%	7.8%	Top 4.3% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk

#66 of 506 • Bottom 12.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.75%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 46.13%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Membership Headwinds

decline

#406 of 554 • Bottom 73.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#410 of 554 • Bottom 74.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 0.71%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.60%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#514 of 538 • Bottom 95.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.13%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.83% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -1.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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 117 peers in tier

Top Strengths (6 metrics)

Total Deposits

balance_sheet

Value: $892.57M

Peer Median: -

#2 of 117 Top 0.9% in 750M-1B tier

Total Assets

balance_sheet

Value: $980.04M

Peer Median: -

#6 of 117 Top 4.3% in 750M-1B tier

Total Loans

balance_sheet

Value: $752.31M

Peer Median: -

#7 of 117 Top 5.1% in 750M-1B tier

Total Members

engagement

Value: 75,495

Peer Median: -

#11 of 117 Top 8.5% in 750M-1B tier

Fee Income Per Member

profitability

Value: $250.03

Peer Median: -

#24 of 117 Top 19.7% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 23.12%

Peer Median: -

#29 of 117 Top 23.9% in 750M-1B tier

Top Weaknesses (2 metrics)

115

Net Worth Ratio

risk

Value: 7.22%

Peer Median: -

#115 of 117 Bottom 2.6% in 750M-1B tier

113

Indirect Auto Concentration (%)

balance_sheet

Value: 46.13%

Peer Median: -

#113 of 117 Bottom 4.3% in 750M-1B tier