ABILENE TEACHERS

Charter #6743 | TX

500M-750M (169 CUs) Community (281 CUs)
16 500M-750M in TX

ABILENE TEACHERS has 9 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 4.9% in tier
  • + Organic Growth Leader: Top 17.0% in tier
  • + Wallet Share Momentum: Top 31.5% in tier
  • + Relationship Depth Leader: Top 32.6% in tier
  • + ROA 1.04% above tier average
  • + Net Interest Margin 0.62% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Worth Ratio: Top 1.2% in tier
  • + Total Members: Top 7.1% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 8.8% in tier
  • - Average Member Relationship (AMR): Bottom 5.3% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 6.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 56,059
+2.4% YoY+0.5% QoQ
 +16.3K 39,752
-2.7% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Top 7.7% in tier
Assets $650.5M
+5.7% YoY+1.8% QoQ
 +$28.1M $622.4M
+0.3% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 62nd in tier
Loans $402.3M
+3.7% YoY+0.1% QoQ
 $-33.7M $435.9M
-0.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 35th in tier
Deposits $520.4M
+4.7% YoY+1.2% QoQ
 $-17.7M $538.0M
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 41st in tier
ROA 1.7%
+43.0% YoY+8.6% QoQ
 +1.0% 0.7%
+33.9% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Top 4.1% in tier
NIM 4.1%
+9.5% YoY+0.6% QoQ
 +0.6% 3.4%
+8.6% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Top 11.2% in tier
Efficiency Ratio 70.0%
-6.8% YoY-3.0% QoQ
 -8.1% 78.1%
-3.4% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Bottom 16.6% in tier
Delinquency Rate 0.3%
-43.5% YoY-8.8% QoQ
 -0.5 0.8%
-4.9% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Bottom 11.8% in tier
Loan To Share 77.3%
-1.0% YoY-1.0% QoQ
 -3.7% 81.0%
-1.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 32nd in tier
AMR $16,458
+1.8% YoY+0.2% QoQ
 $-10K $26,482
+2.6% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 4.7% in tier
CD Concentration 18.9%
-7.9% YoY-0.2% QoQ
 -5.5% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 30th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#91 of 603 • Top 4.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.40%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.70%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#225 of 430 • Top 17.0% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.40%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Wallet Share Momentum

growth
#868 of 1006 • Top 31.5% in tier

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

Why This Signature
AMR Growth (YoY): 1.84%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#899 of 1006 • Top 32.6% in tier

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

Why This Signature
AMR Growth (YoY): 1.84%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.3K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (1)

Liquidity Overhang

risk
#137 of 552 • Bottom 8.8% 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: 18.21%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 77.30%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

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 169 peers in tier

Top Strengths (11 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
3
Net Worth Ratio
risk
Value: 18.21%
Peer Avg: 10.94%
#3 of 169 Top 1.2% in 500M-750M tier
7
Return on Assets (ROA)
profitability
Value: 1.70%
Peer Avg: 0.66%
#7 of 169 Top 3.6% in 500M-750M tier
13
Total Members
engagement
Value: 56,059
Peer Avg: 39,752
#13 of 169 Top 7.1% in 500M-750M tier
19
Net Interest Margin (NIM)
profitability
Value: 4.05%
Peer Avg: 3.43%
#19 of 169 Top 10.7% in 500M-750M tier
21
Total Delinquency Rate (60+ days)
risk
Value: 0.28%
Peer Avg: 0.80%
#21 of 169 Top 11.8% in 500M-750M tier
24
Fee Income Per Member
profitability
Value: $289.38
Peer Avg: $199.27
#24 of 169 Top 13.6% in 500M-750M tier
24
First Mortgage Concentration (%)
balance_sheet
Value: 16.22%
Peer Avg: 33.53%
#24 of 169 Top 13.6% in 500M-750M tier
27
Share Certificate Concentration (%)
balance_sheet
Value: 18.90%
Peer Avg: 26.87%
#27 of 169 Top 15.4% in 500M-750M tier
29
Efficiency Ratio
profitability
Value: 70.00%
Peer Avg: 78.10%
#29 of 169 Top 16.6% in 500M-750M tier

Top Weaknesses (2 metrics)

161
Average Member Relationship (AMR)
engagement
Value: $16,458
Peer Avg: $26,482
#161 of 169 Bottom 5.3% in 500M-750M tier
159
Loan-to-Member Ratio (LMR)
engagement
Value: $7,176
Peer Avg: $11,805
#159 of 169 Bottom 6.5% in 500M-750M tier