BlastPoint's Credit Union Scorecard

ANGELINA COUNTY TEACHERS

Charter #67440 · TX

<100M

2508 CUs in <100M nationally 237 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 2.01% above tier average
+ Net Interest Margin 0.97% above tier average
+ Members Per Employee (MPE): Top 7.0% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	1,848 +0.9% YoY-0.4% QoQ	-828	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	48%
Assets	$12.9M +0.8% YoY+0.7% QoQ	$-17.3M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	37%
Loans	$4.0M -1.9% YoY-9.8% QoQ	$-11.3M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	30%
Deposits	$10.5M -1.3% YoY+0.3% QoQ	$-15.2M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% 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	2.2% +22.8% YoY+20.7% QoQ	+2.0%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Top 4.9% in tier
NIM	5.0% +2.9% YoY+0.4% QoQ	+1.0%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Top 12.0% in tier
Efficiency Ratio	58.4% -11.9% YoY-11.8% QoQ	-32.2%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Top 10.4% in tier
Delinquency Rate	0.2% +115.5% QoQ	-1.3	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	26%
Loan To Share	38.1% -0.6% YoY-10.0% QoQ	-20.4%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	20%
AMR	$7,882 -2.3% YoY-2.3% QoQ	$-7K	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	18%
CD Concentration	0.0%	-24.3%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	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 2508 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

124

Return on Assets (ROA)

profitability

Value: 2.16%

Peer Median: 0.61%

#124 of 2508 Top 4.9% in <100M tier

176

Members Per Employee (MPE)

engagement

Value: 616.000

Peer Median: 333.750

#176 of 2508 Top 7.0% in <100M tier

262

Efficiency Ratio

profitability

Value: 58.41%

Peer Median: 81.45%

#262 of 2508 Top 10.4% in <100M tier

301

Net Interest Margin (NIM)

profitability

Value: 4.98%

Peer Median: 3.83%

#301 of 2508 Top 12.0% in <100M tier

405

Net Charge-Off Rate

risk

Value: -0.02%

Peer Median: 0.07%

#405 of 2508 Top 16.1% in <100M tier

616

Member Growth Rate

growth

Value: 0.87%

Peer Median: -1.37%

#616 of 2508 Top 24.5% in <100M tier

Top Weaknesses (4 metrics)

2116

Loan-to-Member Ratio (LMR)

engagement

Value: $2,176

Peer Median: $4,923

#2116 of 2508 Bottom 15.7% in <100M tier

2051

Average Member Relationship (AMR)

engagement

Value: $7,882

Peer Median: $13,926

#2051 of 2508 Bottom 18.3% in <100M tier

2015

Loan-to-Share Ratio

balance_sheet

Value: 38.15%

Peer Median: 58.72%

#2015 of 2508 Bottom 19.7% in <100M tier

1938

Fee Income Per Member

profitability

Value: $13.46

Peer Median: $60.42

#1938 of 2508 Bottom 22.8% in <100M tier