BlastPoint's Credit Union Scorecard

WICHITA FALLS TEACHERS

Charter #2112 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

WICHITA FALLS TEACHERS has 5 strengths but faces 4 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.16% above tier average
+ Net Interest Margin 0.10% above tier average
+ Asset Growth Rate: Top 9.3% in tier
+ Deposit Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Total Members: Bottom 7.6% in tier
- Total Loans: Bottom 9.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	6,265 -1.4% YoY-0.2% QoQ	-8.9K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Bottom 7.5% in tier
Assets	$115.0M +10.2% YoY+3.0% QoQ	$-116.7M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Bottom 10.2% in tier
Loans	$57.2M +3.2% YoY+3.1% QoQ	$-86.9M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Bottom 9.3% in tier
Deposits	$101.7M +9.9% YoY+3.2% QoQ	$-99.4M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Bottom 11.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% -471.4% YoY+62.9% QoQ	+0.2%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	64%
NIM	3.7% -1.2% YoY-1.4% QoQ	+0.1%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	58%
Efficiency Ratio	76.4% -13.2% YoY+1.3% QoQ	-1.6%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	42%
Delinquency Rate	0.4% -47.9% YoY-42.7% QoQ	-0.4	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	33%
Loan To Share	56.2% -6.0% YoY-0.1% QoQ	-14.2%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	20%
AMR	$25,371 +8.9% YoY+3.3% QoQ	+$452	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	64%
CD Concentration	26.4% +28.8% YoY+10.7% QoQ	+2.1%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#170 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.85%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (2)

Membership Headwinds

decline

#447 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.35%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#489 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.35%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.24%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.42%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

101

Asset Growth Rate

growth

Value: 10.15%

Peer Median: 3.91%

#101 of 1070 Top 9.3% in 100M-500M tier

103

Deposit Growth Rate

growth

Value: 9.86%

Peer Median: 3.30%

#103 of 1070 Top 9.5% in 100M-500M tier

138

AMR Growth Rate

growth

Value: 8.85%

Peer Median: 3.46%

#138 of 1070 Top 12.8% in 100M-500M tier

239

First Mortgage Concentration (%)

balance_sheet

Value: 15.65%

Peer Median: 29.47%

#239 of 1070 Top 22.2% in 100M-500M tier

Top Weaknesses (6 metrics)

990

Total Members

engagement

Value: 6,265

Peer Median: 13,200

#990 of 1070 Bottom 7.6% in 100M-500M tier

971

Total Loans

balance_sheet

Value: $57.21M

Peer Median: $121.41M

#971 of 1070 Bottom 9.3% in 100M-500M tier

961

Total Assets

balance_sheet

Value: $115.00M

Peer Median: $196.57M

#961 of 1070 Bottom 10.3% in 100M-500M tier

944

Total Deposits

balance_sheet

Value: $101.74M

Peer Median: $171.29M

#944 of 1070 Bottom 11.9% in 100M-500M tier

939

Members Per Employee (MPE)

engagement

Value: 232.037

Peer Median: 309.176

#939 of 1070 Bottom 12.3% in 100M-500M tier

852

Loan-to-Share Ratio

balance_sheet

Value: 56.23%

Peer Median: 71.88%

#852 of 1070 Bottom 20.5% in 100M-500M tier