GREATER TEXAS

Charter #7590 | TX

750M-1B (112 CUs) Community (281 CUs)
12 750M-1B in TX

GREATER TEXAS has 5 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 3.7% in tier
  • + Wallet Share Momentum: Top 8.1% 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
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
 32nd in tier
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
 43rd in tier
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
 71st in tier
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
 50th in tier
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
 47th in tier
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
 28th in tier
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
 42nd in tier
Indirect Auto % 46.8%
-4.2% YoY-3.4% QoQ
 +32.8% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Top 4.5% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#103 of 1006 • Top 3.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.71%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.5K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#225 of 1006 • Top 8.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.71%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (5)

Indirect Auto Dependency

risk
#56 of 525 • Bottom 3.4% in tier

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

Why This Signature
Asset Growth (YoY): 2.62%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 46.77%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -6.19%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Membership Headwinds

decline
#80 of 550 • Bottom 4.8% in tier

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

Why This Signature
Member Growth (YoY): -6.19%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline
#54 of 256 • Bottom 6.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $957.32M
(Tier: $859.01M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -6.19%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -1.32%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 281 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Stagnation Risk

risk
#169 of 550 • Bottom 10.2% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.48%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -6.19%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $21.4K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 22.14%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk
#518 of 521 • Bottom 29.3% in tier

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

Why This Signature
Efficiency Ratio: 80.65%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.96% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -6.19%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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)

Comparing against 112 peers in tier

Top Strengths (7 metrics)

5
Total Deposits
balance_sheet
Value: $868.54M
Peer Avg: $734.17M
#5 of 112 Top 3.6% in 750M-1B tier
8
Total Loans
balance_sheet
Value: $749.23M
Peer Avg: $603.36M
#8 of 112 Top 6.2% in 750M-1B tier
10
Total Members
engagement
Value: 75,501
Peer Avg: 52,114
#10 of 112 Top 8.0% in 750M-1B tier
13
Total Assets
balance_sheet
Value: $957.32M
Peer Avg: $859.01M
#13 of 112 Top 10.7% in 750M-1B tier
22
AMR Growth Rate
growth
Value: 7.71%
Peer Avg: 4.90%
#22 of 112 Top 18.8% in 750M-1B tier
22
Share Certificate Concentration (%)
balance_sheet
Value: 22.14%
Peer Avg: 28.34%
#22 of 112 Top 18.8% in 750M-1B tier
25
Fee Income Per Member
profitability
Value: $245.94
Peer Avg: $204.75
#25 of 112 Top 21.4% in 750M-1B tier

Top Weaknesses (4 metrics)

110
Net Worth Ratio
risk
Value: 7.18%
Peer Avg: 11.52%
#110 of 112 Bottom 2.7% in 750M-1B tier
108
Indirect Auto Concentration (%)
balance_sheet
Value: 46.77%
Peer Avg: 16.60%
#108 of 112 Bottom 4.5% in 750M-1B tier
106
Member Growth Rate
growth
Value: -6.19%
Peer Avg: 1.14%
#106 of 112 Bottom 6.2% in 750M-1B tier
90
Loan Growth Rate
growth
Value: -1.32%
Peer Avg: 4.84%
#90 of 112 Bottom 20.5% in 750M-1B tier