BlastPoint's Credit Union Scorecard
W T N M ATLANTIC
Charter #7677 · TX
2556 CUs in <100M nationally
243 in TX
W T N M ATLANTIC has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.87% above tier average
- + Net Interest Margin 3.12% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 7.05% above tier average
- - AMR Growth Rate: Bottom 1.9% in tier
- - Deposit Growth Rate: Bottom 2.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.7% in tier
- - Asset Growth Rate: Bottom 2.8% in tier
- - Loan Growth Rate: Bottom 6.9% in tier
- - Total Deposits: Bottom 8.6% in tier
- - Total Assets: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
470
+2.2% YoY+0.9% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 12.6% in tier |
| Assets |
$1.8M
-12.1% YoY-4.0% QoQ
|
$-28.3M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.8% in tier |
| Loans |
$1.2M
-18.3% YoY-5.2% QoQ
|
$-14.6M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.4% in tier |
| Deposits |
$1.4M
-16.8% YoY-5.2% QoQ
|
$-24.3M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.6% in tier |
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| ROA |
1.5%
+33.8% YoY-12.3% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
7.1%
+8.4% YoY+4.9% QoQ
|
+3.1% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 1.2% in tier |
| Efficiency Ratio |
73.4%
-2.5% YoY+5.6% QoQ
|
-9.2% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
8.6%
+63.0% YoY+1.7% QoQ
|
+7.0 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 2.7% in tier |
| Loan To Share |
87.4%
-1.8% YoY+0.1% QoQ
|
+26.8% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 12.8% in tier |
| AMR |
$5,448
-19.3% YoY-6.0% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.3% in tier |
| CD Concentration |
23.0%
+3.0% YoY-0.3% QoQ
|
-1.5% | 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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
30
Net Interest Margin (NIM)
profitability
Value:
7.07%
Peer Median: -
#30 of 2556
Top 1.1% in <100M tier
309
Net Worth Ratio
risk
Value:
24.31%
Peer Median: -
#309 of 2556
Top 12.1% in <100M tier
325
Loan-to-Share Ratio
balance_sheet
Value:
87.41%
Peer Median: -
#325 of 2556
Top 12.7% in <100M tier
376
Member Growth Rate
growth
Value:
2.17%
Peer Median: -
#376 of 2556
Top 14.7% in <100M tier
424
Return on Assets (ROA)
profitability
Value:
1.49%
Peer Median: -
#424 of 2556
Top 16.5% in <100M tier
Top Weaknesses (14 metrics)
2508
AMR Growth Rate
growth
Value:
-19.27%
Peer Median: -
#2508 of 2556
Bottom 1.9% in <100M tier
2500
Deposit Growth Rate
growth
Value:
-16.80%
Peer Median: -
#2500 of 2556
Bottom 2.2% in <100M tier
2487
Total Delinquency Rate (60+ days)
risk
Value:
8.60%
Peer Median: -
#2487 of 2556
Bottom 2.7% in <100M tier
2485
Asset Growth Rate
growth
Value:
-12.09%
Peer Median: -
#2485 of 2556
Bottom 2.8% in <100M tier
2381
Loan Growth Rate
growth
Value:
-18.31%
Peer Median: -
#2381 of 2556
Bottom 6.9% in <100M tier
2337
Total Deposits
balance_sheet
Value:
$1.37M
Peer Median: -
#2337 of 2556
Bottom 8.6% in <100M tier
2330
Total Assets
balance_sheet
Value:
$1.82M
Peer Median: -
#2330 of 2556
Bottom 8.9% in <100M tier
2292
Average Member Relationship (AMR)
engagement
Value:
$5,448
Peer Median: -
#2292 of 2556
Bottom 10.4% in <100M tier
2238
Total Loans
balance_sheet
Value:
$1.19M
Peer Median: -
#2238 of 2556
Bottom 12.5% in <100M tier
2235
Total Members
engagement
Value:
470
Peer Median: -
#2235 of 2556
Bottom 12.6% in <100M tier