BlastPoint's Credit Union Scorecard
HALE COUNTY TEACHERS
Charter #15297 · TX
HALE COUNTY TEACHERS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Deposit Growth Rate: Top 8.0% in tier
- + Member Growth Rate: Top 8.2% in tier
- + Asset Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Efficiency ratio 9.48% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 2.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,400
+3.8% YoY+1.3% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$10.8M
+9.6% YoY-0.3% QoQ
|
$-19.3M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$5.2M
-12.6% YoY-5.6% QoQ
|
$-10.6M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
35% |
| Deposits |
$9.6M
+11.1% YoY-0.5% QoQ
|
$-16.1M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
0.3%
+135.3% YoY-40.6% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
3.0%
-0.0% YoY-4.0% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
92.0%
-4.4% YoY+6.1% QoQ
|
+9.5% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
54.0%
-21.3% YoY-5.1% QoQ
|
-6.6% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$10,555
-2.2% YoY-3.6% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration |
54.8%
+6.0% YoY+3.0% QoQ
|
+30.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)