Industry Rankings

CU Wrapped 2025

Credit Union Leaderboards

See who's leading and who's falling behind across the credit union industry

Tier:

All Community Mid-Market Large Titans

State:

Active filters: Mid-Market × TX × Clear all

Most Strengths

Mid-Market tier in TX

Rank	Credit Union
1	GECU Mid-Market El Paso, TX
2	RALLY Mid-Market Corpus Christi, TX
3	EECU Mid-Market Fort Worth, TX
4	NECHES Mid-Market Port Neches, TX
5	CREDIT HUMAN Mid-Market San Antonio, TX
6	DATCU Mid-Market DENTON, TX
7	RAVE FINANCIAL Mid-Market Beaumont, TX
8	SHELL Mid-Market Deer Park, TX
9	FIVEPOINT Mid-Market Nederland, TX
10	FIRST SERVICE Mid-Market Houston, TX
11	FIRST COMMUNITY Mid-Market Houston, TX
12	A+ Mid-Market Austin, TX
13	CREDIT UNION OF TEXAS Mid-Market Allen, TX
14	RED RIVER EMPLOYEES Mid-Market Texarkana, TX
15	TEXANS Mid-Market RICHARDSON, TX
16	AMOCO Mid-Market TEXAS CITY, TX
17	EAST TEXAS PROFESSIONAL Mid-Market Longview, TX
18	ADVANCIAL Mid-Market Dallas, TX
19	TEXAS TRUST Mid-Market Mansfield, TX
20	UNIVERSITY Mid-Market AUSTIN, TX
21	UNITED HERITAGE Mid-Market Austin, TX
22	FIRSTLIGHT Mid-Market El Paso, TX
23	AUSTIN TELCO Mid-Market Austin, TX
24	GULF COAST EDUCATORS Mid-Market Pasadena, TX
25	AMPLIFY Mid-Market Austin, TX

Most Concerns

Mid-Market tier in TX

Rank	Credit Union
1	VELOCITY Mid-Market Austin, TX
2	JSC Mid-Market Houston, TX
3	RAIZ Mid-Market EL PASO, TX
4	FORT WORTH COMMUNITY Mid-Market Bedford, TX
5	AMPLIFY Mid-Market Austin, TX
6	NEIGHBORHOOD Mid-Market Dallas, TX
7	FIRSTMARK Mid-Market San Antonio, TX
8	BRAZOS VALLEY SCHOOLS Mid-Market Katy, TX
9	UNIVERSITY Mid-Market AUSTIN, TX
10	GULF COAST EDUCATORS Mid-Market Pasadena, TX
11	FIRSTLIGHT Mid-Market El Paso, TX
12	ADVANCIAL Mid-Market Dallas, TX
13	AUSTIN TELCO Mid-Market Austin, TX
14	CREDIT UNION OF TEXAS Mid-Market Allen, TX
15	FIRST COMMUNITY Mid-Market Houston, TX
16	AMOCO Mid-Market TEXAS CITY, TX
17	UNITED HERITAGE Mid-Market Austin, TX
18	A+ Mid-Market Austin, TX
19	TEXANS Mid-Market RICHARDSON, TX
20	EAST TEXAS PROFESSIONAL Mid-Market Longview, TX
21	TEXAS TRUST Mid-Market Mansfield, TX
22	RED RIVER EMPLOYEES Mid-Market Texarkana, TX
23	CREDIT HUMAN Mid-Market San Antonio, TX
24	FIRST SERVICE Mid-Market Houston, TX
25	RAVE FINANCIAL Mid-Market Beaumont, TX

Explore by Dimension

Signatures

Growth & Performance

Credit Quality Leader Emerging Performer Organic Growth Engine Organic Growth Leader Profitability Leader Relationship Depth Leader Wallet Share Momentum

Risk & Quality

Capital Constraint Cost Spiral Credit Quality Pressure Credit Risk Growth Efficiency Drag Flatlined Growth Indirect Auto Dependency Liquidity Overhang Liquidity Strain Stagnation Risk

Decline Indicators

Accelerating Exit Risk Deposit Outflow Institutional Decline Margin Compression Membership Headwinds Shrinking Wallet Share Wealth Migration Risk

Metrics

Growth

Asset Growth (YoY) (Absolute) Average Member Relationship Growth (YoY) (Absolute) Deposit Growth (YoY) (Absolute) Loan Growth (YoY) (Absolute) Member Growth (YoY) (Absolute)

Profitability

Efficiency Ratio (Absolute) Efficiency Ratio (QoQ Change) Efficiency Ratio (YoY Change) Fee Income Per Member (Absolute) Fee Income Per Member (QoQ Change) Fee Income Per Member (YoY Change) Net Interest Margin (NIM) (Absolute) Net Interest Margin (NIM) (QoQ Change) Net Interest Margin (NIM) (YoY Change) Return on Assets (ROA) (Absolute) Return on Assets (ROA) (QoQ Change) Return on Assets (ROA) (YoY Change)

Member Engagement

Average Member Relationship (AMR) (Absolute) Average Member Relationship (AMR) (QoQ Change) Average Member Relationship (AMR) (YoY Change) Loan-to-Member Ratio (LMR) (Absolute) Loan-to-Member Ratio (LMR) (QoQ Change) Loan-to-Member Ratio (LMR) (YoY Change) Members Per Employee (MPE) (Absolute) Members Per Employee (MPE) (QoQ Change) Members Per Employee (MPE) (YoY Change) Total Members (Absolute) Total Members (QoQ Change) Total Members (YoY Change)

Balance Sheet

First Mortgage Concentration (%) (Absolute) First Mortgage Concentration (%) (QoQ Change) First Mortgage Concentration (%) (YoY Change) Indirect Auto Concentration (%) (Absolute) Indirect Auto Concentration (%) (QoQ Change) Indirect Auto Concentration (%) (YoY Change) Loan-to-Share Ratio (Absolute) Loan-to-Share Ratio (QoQ Change) Loan-to-Share Ratio (YoY Change) Share Certificate Concentration (%) (Absolute) Share Certificate Concentration (%) (QoQ Change) Share Certificate Concentration (%) (YoY Change) Total Assets (Absolute) Total Assets (QoQ Change) Total Assets (YoY Change) Total Deposits (Absolute) Total Deposits (QoQ Change) Total Deposits (YoY Change) Total Loans (Absolute) Total Loans (QoQ Change) Total Loans (YoY Change)

Risk

Net Charge-Off Rate (Absolute) Net Charge-Off Rate (QoQ Change) Net Charge-Off Rate (YoY Change) Net Worth Ratio (Absolute) Net Worth Ratio (QoQ Change) Net Worth Ratio (YoY Change) Total Delinquency Rate (60+ days) (Absolute) Total Delinquency Rate (60+ days) (QoQ Change) Total Delinquency Rate (60+ days) (YoY Change)