PANTEX

Charter #3571 | TX

100M-500M (1077 CUs) Micro
79 100M-500M in TX

PANTEX has 5 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 16.1% in tier
  • + Wallet Share Momentum: Top 25.5% in tier
  • + Relationship Depth Leader: Top 31.4% in tier
  • + ROA 0.47% above tier average
  • + Net Worth Ratio: Top 2.5% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 0.4% in tier
  • - Stagnation Risk: Bottom 12.6% in tier
  • - Membership Headwinds: Bottom 19.8% in tier
  • - Credit Quality Pressure: Bottom 27.2% in tier
  • - Growth-at-Risk: Bottom 29.0% in tier
  • - Loan-to-Share Ratio: Bottom 2.8% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 3.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 14,647
-2.0% YoY+0.2% QoQ
 -981 15,628
-3.4% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 56th in tier
Assets $237.9M
+2.5% YoY+1.0% QoQ
 +$6.6M $231.3M
-0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 60th in tier
Loans $66.3M
+1.6% YoY-1.3% QoQ
 $-81.5M $147.8M
-1.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 12.9% in tier
Deposits $189.2M
+0.8% YoY-0.1% QoQ
 $-11.1M $200.3M
-0.0% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 56th in tier
ROA 1.3%
+105.4% YoY+14.3% QoQ
 +0.5% 0.8%
+15.5% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Top 19.6% in tier
NIM 3.1%
+25.8% YoY+3.7% QoQ
 -0.4% 3.6%
+6.9% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 25th in tier
Efficiency Ratio 66.3%
-15.4% YoY-2.7% QoQ
 -11.0% 77.3%
-3.0% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Bottom 16.7% in tier
Delinquency Rate 0.8%
+3.0% YoY+18.7% QoQ
 -0.1 0.9%
+7.6% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 58th in tier
Loan To Share 35.1%
+0.8% YoY-1.2% QoQ
 -37.7% 72.7%
-1.5% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Bottom 2.7% in tier
AMR $17,441
+3.1% YoY-0.6% QoQ
 $-7K $24,363
+2.9% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 19.7% in tier
CD Concentration 20.5%
+3.4% YoY+2.3% QoQ
 -3.9% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 8.0%
+4.7% YoY+4.6% QoQ
 -6.0% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#302 of 627 • Top 16.1% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.25%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -1.97%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Wallet Share Momentum

growth
#704 of 1006 • Top 25.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.06%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#865 of 1006 • Top 31.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.06%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.1K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (5)

Liquidity Overhang

risk
#7 of 552 • Bottom 0.4% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 20.77%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 35.05%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

Stagnation Risk

risk
#209 of 550 • Bottom 12.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.25%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.97%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $17.4K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 20.47%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline
#326 of 550 • Bottom 19.8% in tier

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

Why This Signature
Member Growth (YoY): -1.97%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk
#673 of 736 • Bottom 27.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.02% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Growth-at-Risk

risk
#435 of 446 • Bottom 29.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.59%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.02% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | 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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

28
Net Worth Ratio
risk
Value: 20.77%
Peer Avg: 12.15%
#28 of 1077 Top 2.5% in 100M-500M tier
181
Efficiency Ratio
profitability
Value: 66.25%
Peer Avg: 77.28%
#181 of 1077 Top 16.7% in 100M-500M tier
185
First Mortgage Concentration (%)
balance_sheet
Value: 13.27%
Peer Avg: 30.43%
#185 of 1077 Top 17.1% in 100M-500M tier
211
Return on Assets (ROA)
profitability
Value: 1.25%
Peer Avg: 0.79%
#211 of 1077 Top 19.5% in 100M-500M tier

Top Weaknesses (4 metrics)

1048
Loan-to-Share Ratio
balance_sheet
Value: 35.05%
Peer Avg: 72.70%
#1048 of 1077 Bottom 2.8% in 100M-500M tier
1040
Loan-to-Member Ratio (LMR)
engagement
Value: $4,526
Peer Avg: $10,245
#1040 of 1077 Bottom 3.5% in 100M-500M tier
938
Total Loans
balance_sheet
Value: $66.30M
Peer Avg: $147.80M
#938 of 1077 Bottom 13.0% in 100M-500M tier
865
Average Member Relationship (AMR)
engagement
Value: $17,441
Peer Avg: $24,363
#865 of 1077 Bottom 19.8% in 100M-500M tier