BlastPoint's Credit Union Scorecard

GREATER TEXAS

Charter #7590 · TX

Community 750M-1B

117 CUs in 750M-1B nationally 12 in TX

View Community leaderboard →

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 0.1% in tier
+ Total Loans: Top 1.7% in tier
+ Total Assets: Top 3.4% in tier
+ Total Members: Top 6.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 44.3% in tier
- Indirect Auto Dependency: Bottom 53.1% in tier
- Membership Headwinds: Bottom 71.0% in tier
- Stagnation Risk: Bottom 71.0% in tier
- ROA 0.31% below tier average
- Efficiency ratio 4.55% above tier (higher cost structure)
- Net Worth Ratio: Bottom 2.6% in tier
- Indirect Auto Concentration (%): Bottom 5.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	75,261 -1.8% YoY-0.3% QoQ	+23.8K	51,500 +0.7% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Top 7.7% in tier
Assets	$988.0M +3.7% YoY+0.8% QoQ	+$122.4M	$865.6M +0.9% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Top 4.3% in tier
Loans	$767.0M +1.5% YoY+1.9% QoQ	+$171.7M	$595.3M +1.6% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Top 2.6% in tier
Deposits	$902.7M +4.1% YoY+1.1% QoQ	+$160.5M	$742.2M +0.6% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Top 0.9% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% -198.4% YoY-10.5% QoQ	-0.3%	0.8% +45.0% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	30%
NIM	3.3% +3.0% YoY-0.2% QoQ	-0.2%	3.5% +6.1% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	41%
Efficiency Ratio	80.1% -13.4% YoY-0.1% QoQ	+4.6%	75.5% -3.4% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	64%
Delinquency Rate	0.6% -23.2% YoY+1.3% QoQ	-0.1	0.7% -0.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	55%
Loan To Share	85.0% -2.5% YoY+0.8% QoQ	+4.4%	80.6% +0.7% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	54%
AMR	$22,184 +4.8% YoY+1.8% QoQ	$-7K	$28,908 +0.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	24%
CD Concentration	23.4% +16.5% YoY+1.4% QoQ	-0.8%	24.3%	21.3%	19.8%	47%
Indirect Auto %	42.4% -12.1% YoY-8.0% QoQ	+28.6%	13.8%	6.9%	7.7%	Bottom 6.6% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk

#81 of 504 • Bottom 53.1% in tier

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

Why This Signature

Asset Growth (YoY): 3.71%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 42.42%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.79%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Membership Headwinds

decline

#388 of 570 • Bottom 71.0% in tier

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

Why This Signature

Member Growth (YoY): -1.79%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#394 of 570 • Bottom 71.0% 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): -1.79%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 1.50%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.61%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#570 of 596 • Bottom 44.3% in tier

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

Why This Signature

Efficiency Ratio: 80.09%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.90% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -1.79%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 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 (4 metrics)

Total Deposits

balance_sheet

Value: $902.66M

Peer Median: $735.65M

#1 of 117 Top 0.1% in 750M-1B tier

Total Loans

balance_sheet

Value: $766.95M

Peer Median: $618.21M

#3 of 117 Top 1.7% in 750M-1B tier

Total Assets

balance_sheet

Value: $988.00M

Peer Median: $858.87M

#5 of 117 Top 3.4% in 750M-1B tier

Total Members

engagement

Value: 75,261

Peer Median: 51,712

#9 of 117 Top 6.8% in 750M-1B tier

Top Weaknesses (3 metrics)

115

Net Worth Ratio

risk

Value: 7.28%

Peer Median: 10.69%

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

112

Indirect Auto Concentration (%)

balance_sheet

Value: 42.42%

Peer Median: 13.79%

#112 of 117 Bottom 5.1% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $22,184

Peer Median: $26,209

#89 of 117 Bottom 24.8% in 750M-1B tier