BlastPoint's Credit Union Scorecard
WICHITA FALLS
Charter #6317 · TX
WICHITA FALLS has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.10% above tier average
- + Asset Growth Rate: Top 4.0% in tier
- + Fee Income Per Member: Top 4.5% in tier
- + Deposit Growth Rate: Top 6.0% in tier
- + Member Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.69% below tier average
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 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +11.8% year over year ($31.4M in shares and deposits).
- Membership: 2,806 members, +4.2% vs a year ago.
- Delinquency rate 0.32%.
- Return on assets 0.81%.
- Efficiency ratio 79.57% vs a 88.77% peer average.
- Loan-to-share ratio 69.09% vs a 58.89% 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 |
2,806
+4.2% YoY+1.4% QoQ
|
+220 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
65% |
| Assets |
$36.1M
+12.5% YoY+3.2% QoQ
|
+$5.8M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
65% |
| Loans |
$21.7M
+6.6% YoY+3.0% QoQ
|
+$6.2M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
73% |
| Deposits |
$31.4M
+11.8% YoY+2.8% QoQ
|
+$5.6M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
66% |
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| ROA |
0.8%
+832.5% YoY+55.5% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
50% |
| NIM |
5.0%
+1.0% YoY+2.0% QoQ
|
+1.1% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 11.9% in tier |
| Efficiency Ratio |
79.6%
-13.3% YoY-4.2% QoQ
|
-9.2% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
47% |
| Delinquency Rate |
0.3%
+77.2% YoY
|
-1.2 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
33% |
| Loan To Share |
69.1%
-4.7% YoY+0.2% QoQ
|
+10.2% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
65% |
| AMR |
$18,899
+5.2% YoY+1.4% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
73% |
| CD Concentration |
23.5%
+36.7% YoY+12.3% QoQ
|
-1.1% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)