WHARTON COUNTY TEACHERS
Charter #67458 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
WHARTON COUNTY TEACHERS has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.33% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 1.2% in tier
- + Net Worth Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.8% YoY
- - Fee Income Per Member: Bottom 3.9% in tier
- - Deposit Growth Rate: Bottom 5.7% in tier
- - Asset Growth Rate: Bottom 6.4% in tier
- - Members Per Employee (MPE): Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
677
-4.8% YoY-1.2% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 18.8% in tier |
| Assets |
$7.8M
-9.1% YoY-4.5% QoQ
|
$-22.1M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
27th in tier |
| Loans |
$2.8M
+30.8% YoY-0.6% QoQ
|
$-13.0M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 22.8% in tier |
| Deposits |
$5.7M
-11.6% YoY-6.0% QoQ
|
$-19.8M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
26th in tier |
| ROA |
1.0%
+10.6% YoY+2.4% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
62nd in tier |
| NIM |
3.4%
+25.0% YoY+7.3% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
30th in tier |
| Efficiency Ratio |
69.5%
+6.7% YoY+2.2% QoQ
|
-11.8% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
31st in tier |
| Delinquency Rate |
0.1%
-41.0% YoY+100.5% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 21.9% in tier |
| Loan To Share |
49.5%
+48.0% YoY+5.7% QoQ
|
-11.7% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
32nd in tier |
| AMR |
$12,552
+4.0% YoY-3.1% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
43rd in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
32
Loan Growth Rate
growth
Value:
30.81%
Peer Avg: 59.01%
#32 of 2596
Top 1.2% in <100M tier
225
Net Worth Ratio
risk
Value:
26.72%
Peer Avg: 16.43%
#225 of 2596
Top 8.6% in <100M tier
569
Total Delinquency Rate (60+ days)
risk
Value:
0.12%
Peer Avg: 1.51%
#569 of 2596
Top 21.9% in <100M tier
Top Weaknesses (7 metrics)
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2450
Deposit Growth Rate
growth
Value:
-11.60%
Peer Avg: 16.80%
#2450 of 2596
Bottom 5.7% in <100M tier
2432
Asset Growth Rate
growth
Value:
-9.14%
Peer Avg: 1.82%
#2432 of 2596
Bottom 6.4% in <100M tier
2370
Members Per Employee (MPE)
engagement
Value:
135.400
Peer Avg: 365.701
#2370 of 2596
Bottom 8.7% in <100M tier
2122
Member Growth Rate
growth
Value:
-4.78%
Peer Avg: 14.92%
#2122 of 2596
Bottom 18.3% in <100M tier
2107
Total Members
engagement
Value:
677
Peer Avg: 2,626
#2107 of 2596
Bottom 18.9% in <100M tier
2003
Total Loans
balance_sheet
Value:
$2.81M
Peer Avg: $15.77M
#2003 of 2596
Bottom 22.9% in <100M tier