BlastPoint's Credit Union Scorecard
NECHES
Charter #7916 · TX
NECHES has 8 strengths but faces 3 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
- + Organic Growth Engine: Top 3.2% in tier
- + Profitability Leader: Top 4.3% in tier
- + Emerging Performer: Top 7.0% in tier
- + Credit Quality Leader: Top 53.2% in tier
- + ROA 1.05% above tier average
- + Net Interest Margin 0.73% above tier average
- + Net Worth Ratio: Top 6.9% in tier
- + Fee Income Per Member: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 12.7% in tier
- - Total Deposits: Bottom 8.9% in tier
- - Total Assets: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
80,657
+5.0% YoY+1.4% QoQ
|
-18.0K |
98,678
-1.9% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$1.1B
+10.2% YoY+2.5% QoQ
|
$-636.5M |
$1.7B
+0.5% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.5% in tier |
| Loans |
$815.0M
+9.9% YoY+4.0% QoQ
|
$-418.1M |
$1.2B
+0.5% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$910.5M
+10.0% YoY+2.4% QoQ
|
$-543.9M |
$1.5B
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.6% in tier |
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| ROA |
1.8%
+54.2% YoY+0.4% QoQ
|
+1.1% |
0.7%
+13.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 1.6% in tier |
| NIM |
4.0%
+8.5% YoY+0.8% QoQ
|
+0.7% |
3.3%
+9.3% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 10.9% in tier |
| Efficiency Ratio |
64.7%
-12.6% YoY-1.2% QoQ
|
-9.2% |
74.0%
-10.9% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.3%
-14.5% YoY-18.4% QoQ
|
-0.5 |
0.8%
+6.1% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 12.8% in tier |
| Loan To Share |
89.5%
-0.1% YoY+1.6% QoQ
|
+4.3% |
85.2%
-0.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
54% |
| AMR |
$21,392
+4.7% YoY+1.7% QoQ
|
$-8K |
$29,172
+2.8% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.2% in tier |
| CD Concentration |
35.5%
+9.9% YoY+10.2% QoQ
|
+6.5% |
29.0%
+0.7% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
79% |
| Indirect Auto % |
25.0%
-6.4% YoY-1.4% QoQ
|
+6.2% |
18.8%
-3.0% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
67% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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)