BlastPoint's Credit Union Scorecard
UNITED TEXAS
Charter #97107 · TX
UNITED TEXAS has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 36.3% in tier
- + Wallet Share Momentum: Top 75.6% in tier
- + Total Deposits: Top 5.2% in tier
- + Total Assets: Top 7.3% in tier
- + Total Loans: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 8.4% in tier
- - Stagnation Risk: Bottom 9.8% in tier
- - Membership Headwinds: Bottom 16.6% in tier
- - Flatlined Growth: Bottom 80.0% in tier
- - Efficiency Drag: Bottom 84.5% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 6.38% above tier (higher cost structure)
- - Member decline: -6.3% YoY
- - Member Growth Rate: Bottom 7.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,801
-6.3% YoY-0.2% QoQ
|
+5.4K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$423.9M
+1.7% YoY+0.0% QoQ
|
+$192.0M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 7.4% in tier |
| Loans |
$291.7M
-5.5% YoY-2.2% QoQ
|
+$144.3M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 7.5% in tier |
| Deposits |
$386.3M
+4.0% YoY+0.5% QoQ
|
+$185.5M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 5.3% in tier |
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| ROA |
0.6%
+65.6% YoY-12.4% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
2.9%
+13.4% YoY-0.9% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.9% in tier |
| Efficiency Ratio |
83.4%
-3.9% YoY+2.4% QoQ
|
+6.4% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.8%
-12.0% YoY+17.9% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
75.5%
-9.2% YoY-2.6% QoQ
|
+3.3% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$32,592
+6.3% YoY-0.5% QoQ
|
+$8K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Top 12.6% in tier |
| CD Concentration |
37.2%
+1.0% YoY+2.5% QoQ
|
+12.7% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-74.4% YoY-40.0% QoQ
|
-13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)