BlastPoint's Credit Union Scorecard
WINDTHORST
Charter #16373 · TX
WINDTHORST has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.29% above tier average
- + Loan-to-Member Ratio (LMR): Top 0.7% in tier
- + Total Loans: Top 0.9% in tier
- + Average Member Relationship (AMR): Top 0.9% in tier
- + Total Assets: Top 1.1% in tier
- + Total Deposits: Top 1.1% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 3.2% in tier
- - First Mortgage Concentration (%): Bottom 8.3% in tier
- - Net Interest Margin (NIM): Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,520
+2.2% YoY+0.5% QoQ
|
+904 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$97.2M
+7.5% YoY+0.5% QoQ
|
+$67.1M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 1.1% in tier |
| Loans |
$65.3M
+3.6% YoY+1.1% QoQ
|
+$49.5M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 1.0% in tier |
| Deposits |
$85.1M
+7.6% YoY+0.7% QoQ
|
+$59.4M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 1.2% in tier |
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| ROA |
0.9%
+29.9% YoY-13.4% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
61% |
| NIM |
2.6%
+13.5% YoY-5.0% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.9% in tier |
| Efficiency Ratio |
65.8%
-7.1% YoY+5.8% QoQ
|
-16.8% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.5%
+81.5% YoY-8.5% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
43% |
| Loan To Share |
76.7%
-3.7% YoY+0.5% QoQ
|
+16.1% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$42,724
+3.6% YoY+0.3% QoQ
|
+$28K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Top 1.0% in tier |
| CD Concentration |
51.2%
+0.5% YoY+3.5% QoQ
|
+26.8% | 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)