BlastPoint's Credit Union Scorecard
ABILENE TEACHERS
Charter #6743 · TX
ABILENE TEACHERS has 7 strengths but faces 3 concerns
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 14.0% in tier
- + Organic Growth Leader: Top 52.2% in tier
- + ROA 0.99% above tier average
- + Net Interest Margin 0.60% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.2% in tier
- + Total Members: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 53.0% in tier
- - Average Member Relationship (AMR): Bottom 4.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
56,285
+2.4% YoY+0.4% QoQ
|
+17.7K |
38,575
-4.8% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 4.8% in tier |
| Assets |
$665.5M
+7.7% YoY+2.3% QoQ
|
+$43.8M |
$621.7M
+0.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$407.1M
+3.8% YoY+1.2% QoQ
|
$-22.7M |
$429.8M
-1.8% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$533.3M
+7.0% YoY+2.5% QoQ
|
$-5.4M |
$538.7M
+0.6% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
1.7%
+25.8% YoY-2.8% QoQ
|
+1.0% |
0.7%
+42.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 3.6% in tier |
| NIM |
4.0%
+8.3% YoY-0.2% QoQ
|
+0.6% |
3.4%
+8.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 12.7% in tier |
| Efficiency Ratio |
69.9%
-2.9% YoY-0.1% QoQ
|
-7.6% |
77.5%
-4.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.3%
-35.3% YoY+7.7% QoQ
|
-0.5 |
0.8%
-1.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.1% in tier |
| Loan To Share |
76.3%
-3.0% YoY-1.3% QoQ
|
-3.5% |
79.8%
-2.3% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$16,708
+3.1% YoY+1.5% QoQ
|
$-10K |
$26,849
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.6% in tier |
| CD Concentration |
18.3%
-6.6% YoY-3.0% QoQ
|
-6.1% | 24.4% | 21.2% | 19.8% | 28% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | Bottom 0.0% 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 (<20%). Healthy, sustainable growth model.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)