BlastPoint's Credit Union Scorecard
PAMPA TEACHERS
Charter #2046 · TX
PAMPA TEACHERS faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 6.83% below tier average
- - Efficiency ratio 419.24% above tier (higher cost structure)
- - Member decline: -6.0% YoY
- - Fee Income Per Member: Bottom 0.1% in tier
- - Net Charge-Off Rate: Bottom 2.6% in tier
- - Asset Growth Rate: Bottom 4.5% in tier
- - Loan Growth Rate: Bottom 7.2% in tier
- - Deposit Growth Rate: Bottom 8.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,828
-6.0% YoY-1.7% QoQ
|
-848 |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
48% |
| Assets |
$10.8M
-9.9% YoY-3.2% QoQ
|
$-19.4M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
33% |
| Loans |
$6.9M
-19.0% YoY-2.8% QoQ
|
$-8.4M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
42% |
| Deposits |
$9.8M
-8.9% YoY-1.8% QoQ
|
$-16.0M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
35% |
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| ROA |
-6.7%
+89.9% YoY+400.5% QoQ
|
-6.8% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.2% in tier |
| NIM |
3.5%
+18.1% YoY-8.7% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
35% |
| Efficiency Ratio |
509.9%
+241.6% YoY+323.9% QoQ
|
+419.2% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 0.6% in tier |
| Delinquency Rate |
0.2%
-79.1% YoY-84.9% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
30% |
| Loan To Share |
70.8%
-11.1% YoY-1.1% QoQ
|
+12.3% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
69% |
| AMR |
$9,118
-7.9% YoY-0.5% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
34.9%
+8.4% YoY+4.7% QoQ
|
+10.6% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)