BlastPoint's Credit Union Scorecard

WINDTHORST

Charter #16373 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

WINDTHORST has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.27% above tier average
+ AMR Growth Rate: Top 1.3% in tier
+ Average Member Relationship (AMR): Top 2.4% in tier
+ Loan-to-Member Ratio (LMR): Top 2.9% in tier
+ Net Charge-Off Rate: Top 4.3% in tier
+ Total Delinquency Rate (60+ days): Top 8.7% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Member decline: -11.6% YoY
- Total Assets: Bottom 0.1% in tier
- Total Members: Bottom 0.5% in tier
- Share Certificate Concentration (%): Bottom 1.2% in tier
- Total Deposits: Bottom 1.7% in tier
- Member Growth Rate: Bottom 2.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	3,058 -11.6% YoY-13.1% QoQ	-12.1K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Bottom 0.4% in tier
Assets	$100.1M +9.1% YoY+3.0% QoQ	$-131.6M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Bottom 0.1% in tier
Loans	$65.4M +3.8% YoY+0.1% QoQ	$-78.8M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Bottom 13.9% in tier
Deposits	$87.7M +9.3% YoY+3.1% QoQ	$-113.4M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Bottom 1.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +2.7% YoY+10.4% QoQ	+0.3%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	70%
NIM	2.9% +10.0% YoY+13.1% QoQ	-0.7%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Bottom 11.2% in tier
Efficiency Ratio	63.5% -3.5% YoY-3.5% QoQ	-14.5%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Top 12.3% in tier
Delinquency Rate	0.1% -43.7% YoY-75.9% QoQ	-0.6	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Top 8.7% in tier
Loan To Share	74.6% -5.0% YoY-2.8% QoQ	+4.1%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	55%
AMR	$50,065 +21.0% YoY+17.2% QoQ	+$25K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	Top 2.5% in tier
CD Concentration	51.4% +0.2% YoY+0.3% QoQ	+27.1%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#6 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 20.97%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.0K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Wallet Share Momentum

growth

#19 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 20.97%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (2)

Membership Headwinds

decline

#26 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -11.62%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#276 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -11.62%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.84%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.13%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 20.97%

Peer Median: 3.46%

#15 of 1070 Top 1.3% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $50,065

Peer Median: $22,931

#27 of 1070 Top 2.4% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $21,385

Peer Median: $9,356

#32 of 1070 Top 2.9% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.00%

Peer Median: 0.35%

#47 of 1070 Top 4.3% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Median: 0.61%

#94 of 1070 Top 8.7% in 100M-500M tier

120

Deposit Growth Rate

growth

Value: 9.32%

Peer Median: 3.30%

#120 of 1070 Top 11.1% in 100M-500M tier

133

Efficiency Ratio

profitability

Value: 63.49%

Peer Median: 78.68%

#133 of 1070 Top 12.3% in 100M-500M tier

139

Asset Growth Rate

growth

Value: 9.06%

Peer Median: 3.91%

#139 of 1070 Top 12.9% in 100M-500M tier

Top Weaknesses (10 metrics)

1070

Total Assets

balance_sheet

Value: $100.11M

Peer Median: $196.57M

#1070 of 1070 Bottom 0.1% in 100M-500M tier

1066

Total Members

engagement

Value: 3,058

Peer Median: 13,200

#1066 of 1070 Bottom 0.5% in 100M-500M tier

1058

Share Certificate Concentration (%)

balance_sheet

Value: 51.36%

Peer Median: 23.10%

#1058 of 1070 Bottom 1.2% in 100M-500M tier

1053

Total Deposits

balance_sheet

Value: $87.70M

Peer Median: $171.29M

#1053 of 1070 Bottom 1.7% in 100M-500M tier

1046

Member Growth Rate

growth

Value: -11.62%

Peer Median: -0.06%

#1046 of 1070 Bottom 2.3% in 100M-500M tier

950

Net Interest Margin (NIM)

profitability

Value: 2.89%

Peer Median: 3.62%

#950 of 1070 Bottom 11.3% in 100M-500M tier

922

Members Per Employee (MPE)

engagement

Value: 235.231

Peer Median: 309.176

#922 of 1070 Bottom 13.9% in 100M-500M tier

921

Total Loans

balance_sheet

Value: $65.40M

Peer Median: $121.41M

#921 of 1070 Bottom 14.0% in 100M-500M tier

917

First Mortgage Concentration (%)

balance_sheet

Value: 49.60%

Peer Median: 29.47%

#917 of 1070 Bottom 14.4% in 100M-500M tier

888

Fee Income Per Member

profitability

Value: $96.93

Peer Median: $154.95

#888 of 1070 Bottom 17.1% in 100M-500M tier