BlastPoint's Credit Union Scorecard
NECHES
Charter #7916 · TX
NECHES has 9 strengths but faces 1 concern
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 5.3% in tier
- + Organic Growth Engine: Top 11.4% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.97% above tier average
- + Net Interest Margin 0.68% above tier average
- + Net Worth Ratio: Top 7.3% in tier
- + Total Delinquency Rate (60+ days): Top 7.6% in tier
- + Deposit Growth Rate: Top 9.3% in tier
- + Asset Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 38.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
81,831
+4.5% YoY+1.5% QoQ
|
-15.6K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$1.1B
+12.1% YoY+2.9% QoQ
|
$-608.8M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.9% in tier |
| Loans |
$848.9M
+13.3% YoY+4.2% QoQ
|
$-385.5M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$949.1M
+12.7% YoY+4.2% QoQ
|
$-510.2M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.9% in tier |
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| ROA |
1.7%
+52.5% YoY-5.5% QoQ
|
+1.0% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 2.6% in tier |
| NIM |
3.9%
+6.9% YoY-1.0% QoQ
|
+0.7% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 11.9% in tier |
| Efficiency Ratio |
64.4%
-13.3% YoY-0.6% QoQ
|
-9.7% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.6% in tier |
| Delinquency Rate |
0.3%
-21.4% YoY-15.7% QoQ
|
-0.6 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 7.6% in tier |
| Loan To Share |
89.4%
+0.5% YoY-0.1% QoQ
|
+4.7% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$21,973
+8.1% YoY+2.7% QoQ
|
$-7K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.9% in tier |
| CD Concentration |
35.4%
+8.7% YoY-0.1% QoQ
|
+6.4% | 29.0% | 21.2% | 19.8% | 77% |
| Indirect Auto % |
24.7%
-4.8% YoY-1.0% QoQ
|
+6.4% | 18.3% | 7.1% | 7.8% | 68% |
Signature Analysis
Strengths (3)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)