BlastPoint's Credit Union Scorecard
PANTEX
Charter #3571 · TX
PANTEX has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 74.0% 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 5.3% in tier
- - Stagnation Risk: Bottom 12.6% in tier
- - Membership Headwinds: Bottom 19.8% in tier
- - Credit Quality Pressure: Bottom 27.2% in tier
- - Credit Risk Growth: 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
|
56% |
| 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
|
60% |
| 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
|
56% |
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| 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
|
80% |
| 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
|
25% |
| 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
|
17% |
| 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
|
58% |
| 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
|
20% |
| 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
|
50% |
| Indirect Auto % |
8.0%
+4.7% YoY+4.6% QoQ
|
-6.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (5)
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)