BlastPoint's Credit Union Scorecard
PAMPA TEACHERS
Charter #2046 · TX
PAMPA TEACHERS has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.66% below tier average
- - Efficiency ratio 48.17% above tier (higher cost structure)
- - Member decline: -4.4% YoY
- - Asset Growth Rate: Bottom 3.9% in tier
- - Deposit Growth Rate: Bottom 5.6% in tier
- - Loan Growth Rate: Bottom 6.4% in tier
- - AMR Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,888
-4.4% YoY-1.4% QoQ
|
-737 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
49% |
| Assets |
$11.3M
-11.8% YoY-3.8% QoQ
|
$-18.5M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
35% |
| Loans |
$7.4M
-19.8% YoY-7.1% QoQ
|
$-8.4M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
43% |
| Deposits |
$10.1M
-11.7% YoY-3.9% QoQ
|
$-15.3M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
37% |
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| ROA |
-2.0%
-7366.4% YoY-10.3% QoQ
|
-2.7% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.1% in tier |
| NIM |
3.5%
+23.7% YoY+5.1% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
34% |
| Efficiency Ratio |
129.6%
+28.9% YoY-1.4% QoQ
|
+48.2% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 3.4% in tier |
| Delinquency Rate |
0.9%
+130.1% YoY+45.5% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
57% |
| Loan To Share |
72.7%
-9.2% YoY-3.3% QoQ
|
+11.5% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
67% |
| AMR |
$9,255
-11.4% YoY-4.0% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
25% |
| CD Concentration |
32.3%
-1.5% YoY+1.6% QoQ
|
+7.9% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)