BlastPoint's Credit Union Scorecard
NECHES
Charter #7916 · TX
NECHES has 8 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
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 6.7% in tier
- + ROA 1.35% above tier average
- + Net Interest Margin 0.54% above tier average
- + Total Delinquency Rate (60+ days): Top 4.7% in tier
- + Asset Growth Rate: Top 5.0% in tier
- + Loan Growth Rate: Top 5.3% in tier
- + Deposit Growth Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 5.4% in tier
- - Share Certificate Concentration (%): Bottom 9.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
- Shares and deposits +17.4% year over year ($1.04B in shares and deposits).
- Membership: 83,078 members, +4.4% vs a year ago.
- Delinquency rate 0.20%.
- Return on assets 2.17%.
- Efficiency ratio 58.85% vs a 73.02% peer average.
- Loan-to-share ratio 88.00% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83,078
+4.4% YoY+0.2% QoQ
|
-13.8K |
96,861
-1.9% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
45% |
| Assets |
$1.2B
+16.4% YoY+3.5% QoQ
|
$-494.9M |
$1.7B
+0.4% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
24% |
| Loans |
$918.8M
+17.3% YoY+4.1% QoQ
|
$-315.4M |
$1.2B
+0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
28% |
| Deposits |
$1.0B
+17.4% YoY+3.5% QoQ
|
$-419.2M |
$1.5B
+0.5% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
24% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.2%
+24.3% YoY+4.1% QoQ
|
+1.4% |
0.8%
+27.6% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 0.7% in tier |
| NIM |
4.0%
+0.2% YoY+5.7% QoQ
|
+0.5% |
3.4%
+6.6% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
85% |
| Efficiency Ratio |
58.9%
-10.1% YoY-3.2% QoQ
|
-14.2% |
73.0%
-2.7% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 7.3% in tier |
| Delinquency Rate |
0.2%
-45.6% YoY+1.3% QoQ
|
-0.7 |
0.9%
+7.3% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Top 4.7% in tier |
| Loan To Share |
88.0%
-0.1% YoY+0.6% QoQ
|
+3.3% |
84.7%
+0.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
53% |
| AMR |
$23,628
+12.4% YoY+3.5% QoQ
|
$-6K |
$29,575
+1.5% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
22% |
| CD Concentration |
40.3%
+25.2% YoY+8.0% QoQ
|
+11.2% | 29.1% | 21.6% | 20.0% | Top 10.4% in tier |
| Indirect Auto % |
25.0%
-1.5% YoY-0.4% QoQ
|
+6.9% | 18.1% | 6.9% | 7.7% | 70% |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)