BlastPoint's Credit Union Scorecard

ABILENE TEACHERS

Charter #6743 · TX

Community 500M-750M

167 CUs in 500M-750M nationally 14 in TX

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ABILENE TEACHERS has 7 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 27.7% in tier
+ Organic Growth Leader: Top 27.7% in tier
+ ROA 1.20% above tier average
+ Net Interest Margin 0.70% above tier average
+ Net Worth Ratio: Top 1.8% in tier
+ Total Delinquency Rate (60+ days): Top 2.4% in tier
+ Total Members: Top 3.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 4.5% in tier
- Average Member Relationship (AMR): Bottom 4.8% in tier
- Loan-to-Member Ratio (LMR): Bottom 8.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	56,716 +2.3% YoY+0.8% QoQ	+18.6K	38,079 -4.8% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Top 4.2% in tier
Assets	$681.6M +7.7% YoY+2.4% QoQ	+$62.0M	$619.7M -0.2% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	74%
Loans	$407.4M +3.1% YoY+0.1% QoQ	$-12.0M	$419.3M -1.4% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	41%
Deposits	$543.4M +6.2% YoY+1.9% QoQ	+$3.9M	$539.5M -0.1% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	50%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.9% +66.2% YoY+14.4% QoQ	+1.2%	0.7% +36.0% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Top 3.0% in tier
NIM	4.2% +3.7% YoY+3.0% QoQ	+0.7%	3.5% +4.5% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Top 10.2% in tier
Efficiency Ratio	70.8% -8.5% YoY+1.3% QoQ	-7.6%	78.4% -3.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	20%
Delinquency Rate	0.1% -31.2% YoY-59.8% QoQ	-0.6	0.7% -0.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Top 2.4% in tier
Loan To Share	75.0% -2.9% YoY-1.8% QoQ	-2.7%	77.7% -1.2% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	36%
AMR	$16,763 +2.5% YoY+0.3% QoQ	$-10K	$26,927 +3.1% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	Bottom 4.2% in tier
CD Concentration	16.7% -5.7% YoY-8.9% QoQ	-7.6%	24.3%	21.3%	19.8%	24%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#77 of 352 • Top 27.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.27%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.89%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#211 of 371 • Top 27.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.27%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (1)

Liquidity Overhang

risk

#71 of 126 • Bottom 4.5% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.24%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 74.97%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 284 Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY

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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (13 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 10.91%

#1 of 167 Top 0.1% in 500M-750M tier

Net Worth Ratio

risk

Value: 18.24%

Peer Median: 10.35%

#4 of 167 Top 1.8% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.89%

Peer Median: 0.61%

#5 of 167 Top 2.4% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Median: 0.62%

#5 of 167 Top 2.4% in 500M-750M tier

Total Members

engagement

Value: 56,716

Peer Median: 36,874

#7 of 167 Top 3.6% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 4.17%

Peer Median: 3.48%

#17 of 167 Top 9.6% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 16.04%

Peer Median: 32.87%

#20 of 167 Top 11.4% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 16.69%

Peer Median: 26.29%

#21 of 167 Top 12.0% in 500M-750M tier

Fee Income Per Member

profitability

Value: $272.93

Peer Median: $178.80

#25 of 167 Top 14.4% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 388.466

Peer Median: 318.730

#33 of 167 Top 19.2% in 500M-750M tier

Top Weaknesses (2 metrics)

160

Average Member Relationship (AMR)

engagement

Value: $16,763

Peer Median: $25,600

#160 of 167 Bottom 4.8% in 500M-750M tier

154

Loan-to-Member Ratio (LMR)

engagement

Value: $7,183

Peer Median: $11,231

#154 of 167 Bottom 8.4% in 500M-750M tier