BlastPoint's Credit Union Scorecard
WICHITA FALLS
Charter #6317 · TX
WICHITA FALLS demonstrates 9 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 0.93% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.7% in tier
- + Deposit Growth Rate: Top 2.8% in tier
- + Asset Growth Rate: Top 3.3% in tier
- + Loan Growth Rate: Top 5.2% in tier
- + AMR Growth Rate: Top 6.5% in tier
- + Member Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,730
+3.9% YoY+1.4% QoQ
|
+104 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
63% |
| Assets |
$34.1M
+15.0% YoY+6.4% QoQ
|
+$4.3M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$20.4M
+16.1% YoY+0.6% QoQ
|
+$4.7M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
70% |
| Deposits |
$29.8M
+17.0% YoY+6.4% QoQ
|
+$4.4M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
65% |
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| ROA |
0.8%
-184.2% YoY+837.7% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
4.9%
-0.7% YoY-1.8% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
83% |
| Efficiency Ratio |
81.4%
-26.7% YoY-11.3% QoQ
|
-0.0% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.1%
-75.6% YoY-32.8% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
22% |
| Loan To Share |
68.5%
-0.8% YoY-5.5% QoQ
|
+7.3% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
60% |
| AMR |
$18,424
+12.3% YoY+2.6% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
16.4%
+21.8% YoY-4.7% QoQ
|
-8.0% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)