BlastPoint's Credit Union Scorecard
PAMPA TEACHERS
Charter #2046 · TX
PAMPA TEACHERS has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.50% above tier average
- + Net Interest Margin 0.06% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 77.43% above tier (higher cost structure)
- - Member decline: -6.5% YoY
- - Net Charge-Off Rate: Bottom 3.8% in tier
- - Asset Growth Rate: Bottom 6.3% in tier
- - Net Worth Ratio: Bottom 7.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -7.7% year over year ($9.7M in shares and deposits).
- Membership: 1,789 members, -6.5% vs a year ago.
- Delinquency rate 0.43%.
- Return on assets 5.00%.
- Efficiency ratio 166.20% vs a 88.77% peer average.
- Loan-to-share ratio 78.40% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,789
-6.5% YoY-2.1% QoQ
|
-796 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
47% |
| Assets |
$10.7M
-9.3% YoY-1.2% QoQ
|
$-19.6M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
33% |
| Loans |
$7.6M
-3.7% YoY+10.3% QoQ
|
$-7.8M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
45% |
| Deposits |
$9.7M
-7.7% YoY-0.4% QoQ
|
$-16.1M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
35% |
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| ROA |
5.0%
-326.6% YoY-174.8% QoQ
|
+3.5% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 1.7% in tier |
| NIM |
4.0%
+19.5% YoY+13.9% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
166.2%
+26.5% YoY-67.4% QoQ
|
+77.4% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.0% in tier |
| Delinquency Rate |
0.4%
-26.3% YoY+91.6% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
39% |
| Loan To Share |
78.4%
+4.3% YoY+10.8% QoQ
|
+19.5% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$9,695
+0.6% YoY+6.3% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
26% |
| CD Concentration |
36.6%
+14.9% YoY+4.7% QoQ
|
+12.0% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 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)