BlastPoint's Credit Union Scorecard
ABILENE TEACHERS
Charter #6743 · TX
ABILENE TEACHERS has 8 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 27.3% in tier
- + Organic Growth Leader: Top 27.3% in tier
- + ROA 1.76% above tier average
- + Net Interest Margin 0.73% above tier average
- + Net Worth Ratio: Top 1.8% in tier
- + Total Members: Top 3.0% in tier
- + Efficiency Ratio: Top 6.1% in tier
- + Share Certificate Concentration (%): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 4.3% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 51.2% in tier
- - Average Member Relationship (AMR): Bottom 4.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.5% in tier
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 16 that size in Texas.
- Shares and deposits +6.3% year over year ($547M in shares and deposits).
- Membership: 57,004 members, +2.2% vs a year ago.
- Delinquency rate 0.31%.
- Return on assets 2.58%.
- Efficiency ratio 59.96% vs a 76.56% peer average.
- Loan-to-share ratio 75.94% vs a 79.33% 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 |
57,004
+2.2% YoY+0.5% QoQ
|
+19.1K |
37,897
-5.0% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Top 3.6% in tier |
| Assets |
$690.4M
+8.0% YoY+1.3% QoQ
|
+$68.0M |
$622.4M
+0.6% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
73% |
| Loans |
$415.4M
+3.4% YoY+2.0% QoQ
|
$-13.1M |
$428.5M
-0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
42% |
| Deposits |
$547.0M
+6.3% YoY+0.7% QoQ
|
+$7.2M |
$539.8M
+0.9% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
53% |
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| ROA |
2.6%
+64.6% YoY+36.3% QoQ
|
+1.8% |
0.8%
+39.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 1.8% in tier |
| NIM |
4.3%
+5.7% YoY+2.2% QoQ
|
+0.7% |
3.5%
+5.0% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 10.3% in tier |
| Efficiency Ratio |
60.0%
-16.9% YoY-15.3% QoQ
|
-16.6% |
76.6%
-3.6% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 6.1% in tier |
| Delinquency Rate |
0.3%
+3.5% YoY+162.0% QoQ
|
-0.5 |
0.8%
+3.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
15% |
| Loan To Share |
75.9%
-2.8% YoY+1.3% QoQ
|
-3.4% |
79.3%
-1.4% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
34% |
| AMR |
$16,882
+2.8% YoY+0.7% QoQ
|
$-10K |
$27,294
+4.1% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.2% in tier |
| CD Concentration |
16.2%
-14.4% YoY-2.8% QoQ
|
-8.3% | 24.6% | 21.6% | 20.0% | 22% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)