BlastPoint's Credit Union Scorecard

PAMPA MUNICIPAL

Charter #67621 · TX

<100M

2508 CUs in <100M nationally 237 in TX

PAMPA MUNICIPAL has 2 strengths but faces 1 concern

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 1.46% above tier average
+ Loan-to-Share Ratio: Top 6.7% in tier

Key Concerns

Areas that may need attention

- Share Certificate Concentration (%): Bottom 1.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	586 -0.7% YoY-0.2% QoQ	-2.1K	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	16%
Assets	$5.4M +3.7% YoY+2.1% QoQ	$-24.8M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	20%
Loans	$4.2M -4.4% YoY-3.5% QoQ	$-11.0M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	31%
Deposits	$4.6M +3.4% YoY+2.6% QoQ	$-21.2M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	21%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.6% -41.3% YoY+57.7% QoQ	+1.5%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Top 13.0% in tier
NIM	4.0% -6.9% YoY-8.2% QoQ	+0.0%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	57%
Efficiency Ratio	76.1% +18.2% YoY+6.1% QoQ	-14.5%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	37%
Delinquency Rate	1.4% +2105.7% YoY-51.8% QoQ	-0.1	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	72%
Loan To Share	91.9% -7.6% YoY-6.0% QoQ	+33.4%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	Top 6.8% in tier
AMR	$15,106 +0.2% YoY-0.2% QoQ	+$221	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	56%
CD Concentration	61.9% +1.0% YoY-0.6% QoQ	+37.7%	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 (6 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

168

Loan-to-Share Ratio

balance_sheet

Value: 91.88%

Peer Median: 58.72%

#168 of 2508 Top 6.7% in <100M tier

326

Return on Assets (ROA)

profitability

Value: 1.60%

Peer Median: 0.61%

#326 of 2508 Top 13.0% in <100M tier

365

Net Charge-Off Rate

risk

Value: -0.03%

Peer Median: 0.07%

#365 of 2508 Top 14.5% in <100M tier

574

Loan-to-Member Ratio (LMR)

engagement

Value: $7,233

Peer Median: $4,923

#574 of 2508 Top 22.8% in <100M tier

Top Weaknesses (5 metrics)

2476

Share Certificate Concentration (%)

balance_sheet

Value: 61.93%

Peer Median: 12.45%

#2476 of 2508 Bottom 1.3% in <100M tier

2135

Members Per Employee (MPE)

engagement

Value: 195.333

Peer Median: 333.750

#2135 of 2508 Bottom 14.9% in <100M tier

2109

Total Members

engagement

Value: 586

Peer Median: 1,918

#2109 of 2508 Bottom 15.9% in <100M tier

2004

Total Assets

balance_sheet

Value: $5.40M

Peer Median: $21.86M

#2004 of 2508 Bottom 20.1% in <100M tier

1972

Total Deposits

balance_sheet

Value: $4.61M

Peer Median: $18.77M

#1972 of 2508 Bottom 21.4% in <100M tier