BlastPoint's Credit Union Scorecard
PANTEX
Charter #3571 · TX
PANTEX has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.65% above tier average
- + Net Worth Ratio: Top 2.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Loan-to-Share Ratio: Bottom 2.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
- Shares and deposits -3.2% year over year ($183M in shares and deposits).
- Membership: 14,369 members, -1.7% vs a year ago.
- Delinquency rate 0.69%.
- Return on assets 1.51%.
- Efficiency ratio 63.39% vs a 76.73% peer average.
- Loan-to-share ratio 34.82% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,369
-1.7% YoY-1.9% QoQ
|
-799 |
15,168
-2.6% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$233.4M
-1.0% YoY-2.4% QoQ
|
+$1.4M |
$232.0M
+0.7% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
60% |
| Loans |
$63.8M
-4.9% YoY-0.4% QoQ
|
$-82.4M |
$146.3M
+0.2% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.9% in tier |
| Deposits |
$183.3M
-3.2% YoY-2.8% QoQ
|
$-17.4M |
$200.7M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
54% |
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| ROA |
1.5%
+37.8% YoY-4.0% QoQ
|
+0.6% |
0.9%
+12.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 12.4% in tier |
| NIM |
3.6%
+17.6% YoY+2.2% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
42% |
| Efficiency Ratio |
63.4%
-6.9% YoY+0.4% QoQ
|
-13.3% |
76.7%
-0.8% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 13.1% in tier |
| Delinquency Rate |
0.7%
+5.7% YoY-15.4% QoQ
|
-0.2 |
0.9%
+6.6% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
49% |
| Loan To Share |
34.8%
-1.8% YoY+2.4% QoQ
|
-36.7% |
71.5%
-0.3% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 2.7% in tier |
| AMR |
$17,201
-1.9% YoY-0.4% QoQ
|
$-8K |
$25,107
+3.2% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration |
17.3%
-13.5% YoY-13.6% QoQ
|
-7.2% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
7.8%
+2.1% YoY-1.9% QoQ
|
-5.8% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)