BlastPoint's Credit Union Scorecard
PAMPA TEACHERS
Charter #2046 · TX
PAMPA TEACHERS has 1 strength but faces 6 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 1.96% below tier average
- - Efficiency ratio 37.73% above tier (higher cost structure)
- - Member decline: -5.2% YoY
- - Loan Growth Rate: Bottom 5.4% in tier
- - Asset Growth Rate: Bottom 8.1% in tier
- - AMR Growth Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,860
-5.2% YoY-1.5% QoQ
|
-755 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$11.2M
-7.5% YoY-1.4% QoQ
|
$-19.0M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$7.1M
-20.5% YoY-3.3% QoQ
|
$-8.7M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$9.9M
-7.0% YoY-1.8% QoQ
|
$-15.7M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
-1.3%
+1565.9% YoY-32.5% QoQ
|
-2.0% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.5% in tier |
| NIM |
3.8%
+14.7% YoY+9.3% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
120.3%
+17.9% YoY-7.2% QoQ
|
+37.7% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 4.0% in tier |
| Delinquency Rate |
1.5%
+79.8% YoY+75.0% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
71.5%
-14.5% YoY-1.6% QoQ
|
+10.9% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$9,166
-8.4% YoY-1.0% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
33.4%
-5.7% YoY+3.2% QoQ
|
+8.9% | 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)