UNITED TEXAS

Charter #97107 | TX

100M-500M (1077 CUs) Micro
79 100M-500M in TX

UNITED TEXAS has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 4.5% in tier
  • + Wallet Share Momentum: Top 10.9% in tier
  • + Total Deposits: Top 5.0% in tier
  • + Total Loans: Top 6.1% in tier
  • + Total Assets: Top 7.4% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 2.1% in tier
  • - Institutional Decline: Bottom 4.6% in tier
  • - Membership Headwinds: Bottom 4.9% in tier
  • - Efficiency Drag: Bottom 28.7% in tier
  • - ROA 0.14% below tier average
  • - Efficiency ratio 4.14% above tier (higher cost structure)
  • - Member decline: -6.1% YoY
  • - Member Growth Rate: Bottom 6.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 20,848
-6.1% YoY+0.1% QoQ
 +5.2K 15,628
-3.4% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Top 22.7% in tier
Assets $423.8M
+1.9% YoY+1.2% QoQ
 +$192.5M $231.3M
-0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Top 7.5% in tier
Loans $298.1M
-3.7% YoY-2.5% QoQ
 +$150.3M $147.8M
-1.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Top 6.2% in tier
Deposits $384.5M
+3.4% YoY+1.9% QoQ
 +$184.2M $200.3M
-0.0% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Top 5.1% in tier
ROA 0.7%
+96.4% YoY+8.3% QoQ
 -0.1% 0.8%
+15.5% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 42nd in tier
NIM 2.9%
+15.3% YoY+1.1% QoQ
 -0.7% 3.6%
+6.9% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Bottom 15.2% in tier
Efficiency Ratio 81.4%
-6.6% YoY-1.0% QoQ
 +4.1% 77.3%
-3.0% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 65th in tier
Delinquency Rate 0.7%
-10.1% YoY-15.5% QoQ
 -0.2 0.9%
+7.6% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 50th in tier
Loan To Share 77.5%
-6.9% YoY-4.3% QoQ
 +4.8% 72.7%
-1.5% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 57th in tier
AMR $32,742
+6.7% YoY-0.2% QoQ
 +$8K $24,363
+2.9% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Top 11.9% in tier
CD Concentration 36.3%
-1.0% YoY-0.8% QoQ
 +11.9% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0%
-67.3% YoY-23.3% QoQ
 -13.9% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#125 of 1006 • Top 4.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.67%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.6K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#301 of 1006 • Top 10.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.67%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (4)

Stagnation Risk

risk
#35 of 550 • Bottom 2.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.65%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -6.11%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $32.7K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 36.26%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline
#37 of 256 • Bottom 4.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $423.81M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -6.11%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -3.74%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline
#82 of 550 • Bottom 4.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -6.11%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk
#507 of 521 • Bottom 28.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.42%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.32% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -6.11%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

55
Total Deposits
balance_sheet
Value: $384.49M
Peer Avg: $200.29M
#55 of 1077 Top 5.0% in 100M-500M tier
67
Total Loans
balance_sheet
Value: $298.12M
Peer Avg: $147.80M
#67 of 1077 Top 6.1% in 100M-500M tier
81
Total Assets
balance_sheet
Value: $423.81M
Peer Avg: $231.30M
#81 of 1077 Top 7.4% in 100M-500M tier
128
Average Member Relationship (AMR)
engagement
Value: $32,742
Peer Avg: $24,363
#128 of 1077 Top 11.8% in 100M-500M tier
134
Loan-to-Member Ratio (LMR)
engagement
Value: $14,300
Peer Avg: $10,245
#134 of 1077 Top 12.3% in 100M-500M tier
186
Fee Income Per Member
profitability
Value: $234.73
Peer Avg: $174.31
#186 of 1077 Top 17.2% in 100M-500M tier
237
AMR Growth Rate
growth
Value: 6.67%
Peer Avg: 3.64%
#237 of 1077 Top 21.9% in 100M-500M tier
245
Total Members
engagement
Value: 20,848
Peer Avg: 15,628
#245 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (5 metrics)

1005
Member Growth Rate
growth
Value: -6.11%
Peer Avg: 0.72%
#1005 of 1077 Bottom 6.8% in 100M-500M tier
942
Share Certificate Concentration (%)
balance_sheet
Value: 36.26%
Peer Avg: 23.61%
#942 of 1077 Bottom 12.6% in 100M-500M tier
913
Net Interest Margin (NIM)
profitability
Value: 2.88%
Peer Avg: 3.58%
#913 of 1077 Bottom 15.3% in 100M-500M tier
890
Loan Growth Rate
growth
Value: -3.74%
Peer Avg: 3.45%
#890 of 1077 Bottom 17.5% in 100M-500M tier
859
Net Worth Ratio
risk
Value: 9.49%
Peer Avg: 12.15%
#859 of 1077 Bottom 20.3% in 100M-500M tier