BlastPoint's Credit Union Scorecard

NECHES

Charter #7916 · TX

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 28 in TX

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NECHES has 8 strengths but faces 1 concern

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 0.8% in tier
+ Wallet Share Momentum: Top 8.2% in tier
+ ROA 1.37% above tier average
+ Net Interest Margin 0.40% above tier average
+ Fee Income Per Member: Top 4.9% in tier
+ Loan Growth Rate: Top 5.2% in tier
+ Efficiency Ratio: Top 7.8% in tier
+ Asset Growth Rate: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 8.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	82,912 +3.9% YoY+1.3% QoQ	-13.1K	96,048 -2.7% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	45%
Assets	$1.2B +14.0% YoY+6.6% QoQ	$-531.6M	$1.7B +0.4% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	20%
Loans	$882.9M +16.6% YoY+4.0% QoQ	$-330.9M	$1.2B +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	25%
Deposits	$1.0B +14.2% YoY+6.3% QoQ	$-456.4M	$1.5B +0.5% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	20%

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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	2.1% +45.6% YoY+25.8% QoQ	+1.4%	0.7% +27.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Top 1.0% in tier
NIM	3.8% -3.5% YoY-5.0% QoQ	+0.4%	3.4% +6.2% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	76%
Efficiency Ratio	60.8% -12.8% YoY-5.6% QoQ	-13.8%	74.6% -3.0% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Top 7.8% in tier
Delinquency Rate	0.2% -38.7% YoY-22.0% QoQ	-0.6	0.8% +6.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Top 8.2% in tier
Loan To Share	87.5% +2.1% YoY-2.2% QoQ	+4.3%	83.2% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	58%
AMR	$22,820 +11.0% YoY+3.9% QoQ	$-7K	$29,652 +2.3% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	19%
CD Concentration	37.3% +15.2% YoY+5.3% QoQ	+8.4%	28.8%	21.3%	19.8%	84%
Indirect Auto %	25.1% -2.3% YoY+1.4% QoQ	+7.0%	18.1%	6.9%	7.7%	69%

Signature Analysis

Strengths (2)

Emerging Performer

growth

#7 of 79 • Top 0.8% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 2.09%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 3.93%

(Tier: 3.50%, National: 10.19%)

better than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Wallet Share Momentum

growth

#31 of 125 • Top 8.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.96%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#58 of 198 • Bottom 8.2% in tier

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

Why This Signature

Asset Growth (YoY): 14.03%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 25.09%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.93%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

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 306 peers in tier

Top Strengths (10 metrics)

Return on Assets (ROA)

profitability

Value: 2.09%

Peer Median: 0.66%

#3 of 306 Top 0.7% in 1B-3B tier

Fee Income Per Member

profitability

Value: $355.93

Peer Median: $191.54

#16 of 306 Top 4.9% in 1B-3B tier

Loan Growth Rate

growth

Value: 16.64%

Peer Median: 5.67%

#17 of 306 Top 5.2% in 1B-3B tier

Efficiency Ratio

profitability

Value: 60.78%

Peer Median: 75.16%

#25 of 306 Top 7.8% in 1B-3B tier

Asset Growth Rate

growth

Value: 14.03%

Peer Median: 4.82%

#25 of 306 Top 7.8% in 1B-3B tier

AMR Growth Rate

growth

Value: 10.96%

Peer Median: 3.15%

#25 of 306 Top 7.8% in 1B-3B tier

Deposit Growth Rate

growth

Value: 14.19%

Peer Median: 4.44%

#26 of 306 Top 8.2% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Median: 0.63%

#26 of 306 Top 8.2% in 1B-3B tier

Net Worth Ratio

risk

Value: 14.65%

Peer Median: 10.85%

#32 of 306 Top 10.1% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.75%

Peer Median: 3.37%

#73 of 306 Top 23.5% in 1B-3B tier

Top Weaknesses (5 metrics)

265

Share Certificate Concentration (%)

balance_sheet

Value: 37.28%

Peer Median: 27.93%

#265 of 306 Bottom 13.7% in 1B-3B tier

249

Average Member Relationship (AMR)

engagement

Value: $22,820

Peer Median: $28,178

#249 of 306 Bottom 19.0% in 1B-3B tier

246

Total Deposits

balance_sheet

Value: $1.01B

Peer Median: $1.31B

#246 of 306 Bottom 19.9% in 1B-3B tier

245

Total Assets

balance_sheet

Value: $1.19B

Peer Median: $1.51B

#245 of 306 Bottom 20.3% in 1B-3B tier

236

Loan-to-Member Ratio (LMR)

engagement

Value: $10,648

Peer Median: $12,733

#236 of 306 Bottom 23.2% in 1B-3B tier