BlastPoint's Credit Union Scorecard
WICHITA FALLS TEACHERS
Charter #2112 · TX
WICHITA FALLS TEACHERS has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 51.8% in tier
- + Net Interest Margin 0.18% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 7.3% in tier
- + Deposit Growth Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 66.5% in tier
- - Credit Quality Pressure: Bottom 76.7% in tier
- - Membership Headwinds: Bottom 86.4% in tier
- - Institutional Decline: Bottom 96.7% in tier
- - ROA 0.21% below tier average
- - Total Members: Bottom 7.2% in tier
- - Total Assets: Bottom 7.7% in tier
- - Total Loans: Bottom 8.0% in tier
- - Total Deposits: Bottom 9.6% in tier
- - Members Per Employee (MPE): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,276
-1.0% YoY-0.6% QoQ
|
-9.2K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 7.1% in tier |
| Assets |
$111.7M
+12.3% YoY+3.4% QoQ
|
$-120.2M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.6% in tier |
| Loans |
$55.5M
-1.7% YoY+0.6% QoQ
|
$-91.8M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.9% in tier |
| Deposits |
$98.6M
+11.9% YoY+3.5% QoQ
|
$-102.2M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.5% in tier |
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| ROA |
0.5%
+31.4% YoY+32.3% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
3.8%
+0.9% YoY-0.4% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
75.4%
-6.3% YoY-2.8% QoQ
|
-1.6% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.7%
+13.2% YoY-9.0% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
56.3%
-12.1% YoY-2.8% QoQ
|
-15.9% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$24,553
+7.7% YoY+3.0% QoQ
|
$-123 |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
23.8%
+13.8% YoY+9.2% QoQ
|
-0.6% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)