BlastPoint's Credit Union Scorecard
PANTEX
Charter #3571 · TX
PANTEX has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.50% above tier average
- + Net Worth Ratio: Top 2.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 6.0% in tier
- - Membership Headwinds: Bottom 61.8% in tier
- - Stagnation Risk: Bottom 71.4% in tier
- - Member decline: -2.0% YoY
- - Loan-to-Share Ratio: Bottom 2.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,653
-2.0% YoY+0.0% QoQ
|
-784 |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$236.2M
+2.7% YoY-0.7% QoQ
|
+$4.4M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$66.2M
+2.8% YoY-0.2% QoQ
|
$-81.2M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.6% in tier |
| Deposits |
$186.4M
-0.2% YoY-1.4% QoQ
|
$-14.4M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
55% |
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| ROA |
1.3%
+73.7% YoY+0.8% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
3.2%
+23.7% YoY+2.9% QoQ
|
-0.4% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
65.7%
-13.3% YoY-0.9% QoQ
|
-11.3% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.7%
-19.8% YoY-8.5% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
35.5%
+3.0% YoY+1.3% QoQ
|
-36.7% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.8% in tier |
| AMR |
$17,240
+2.7% YoY-1.2% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
20.3%
+1.5% YoY-0.8% QoQ
|
-4.1% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
8.1%
+6.0% YoY+0.9% QoQ
|
-5.7% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)