BlastPoint's Credit Union Scorecard
ABILENE TEACHERS
Charter #6743 · TX
ABILENE TEACHERS has 9 strengths but faces 3 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 4.9% in tier
- + Organic Growth Leader: Top 17.0% in tier
- + Profitability Leader: Top 24.8% in tier
- + Credit Quality Leader: Top 63.1% 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 49.6% 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
|
62% |
| 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
|
35% |
| 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
|
41% |
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| 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
|
17% |
| 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
|
32% |
| 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
|
30% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (4)
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.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate 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)