BlastPoint's Credit Union Scorecard

ANGELINA COUNTY TEACHERS

Charter #67440 · TX

<100M

2556 CUs in <100M nationally 243 in TX

ANGELINA COUNTY TEACHERS demonstrates 3 strengths

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.17% above tier average
+ Net Interest Margin 1.01% above tier average
+ Members Per Employee (MPE): Top 6.7% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	1,855 +0.5% YoY+1.3% QoQ	-760	2,615 -1.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	48%
Assets	$12.8M +0.7% YoY-0.4% QoQ	$-17.4M	$30.1M +2.1% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	37%
Loans	$4.5M -2.7% YoY+3.8% QoQ	$-11.3M	$15.8M -1.3% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	31%
Deposits	$10.5M -1.4% YoY-1.3% QoQ	$-15.2M	$25.7M +1.4% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	37%

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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	1.8% +62.4% YoY+10.3% QoQ	+1.2%	0.6% +10.8% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	Top 10.0% in tier
NIM	5.0% +21.4% YoY+3.7% QoQ	+1.0%	4.0% +4.0% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	85%
Efficiency Ratio	66.2% -11.5% YoY-2.5% QoQ	-16.3%	82.6% -2.3% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	20%
Delinquency Rate	0.1% -58.8% QoQ	-1.5	1.6% -3.1% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	18%
Loan To Share	42.4% -1.3% YoY+5.2% QoQ	-18.2%	60.6% -3.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	22%
AMR	$8,071 -2.3% YoY-1.1% QoQ	$-7K	$14,783 -1.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	19%
CD Concentration	0.0%	-24.4%	24.4%	21.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

171

Members Per Employee (MPE)

engagement

Value: 618.333

Peer Median: -

#171 of 2556 Top 6.7% in <100M tier

256

Return on Assets (ROA)

profitability

Value: 1.79%

Peer Median: -

#256 of 2556 Top 10.0% in <100M tier

386

Net Interest Margin (NIM)

profitability

Value: 4.96%

Peer Median: -

#386 of 2556 Top 15.1% in <100M tier

448

Total Delinquency Rate (60+ days)

risk

Value: 0.08%

Peer Median: -

#448 of 2556 Top 17.5% in <100M tier

514

Efficiency Ratio

profitability

Value: 66.23%

Peer Median: -

#514 of 2556 Top 20.1% in <100M tier

Top Weaknesses (3 metrics)

2122

Loan-to-Member Ratio (LMR)

engagement

Value: $2,403

Peer Median: -

#2122 of 2556 Bottom 17.0% in <100M tier

2059

Average Member Relationship (AMR)

engagement

Value: $8,071

Peer Median: -

#2059 of 2556 Bottom 19.5% in <100M tier

1983

Loan-to-Share Ratio

balance_sheet

Value: 42.40%

Peer Median: -

#1983 of 2556 Bottom 22.5% in <100M tier