BlastPoint's Credit Union Scorecard
W T N M ATLANTIC
Charter #7677 ยท TX
2596 CUs in <100M nationally
245 in TX
W T N M ATLANTIC has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.01% above tier average
- + Net Interest Margin 2.81% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 6.95% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.6% in tier
- - AMR Growth Rate: Bottom 5.5% in tier
- - Loan Growth Rate: Bottom 8.2% in tier
- - Total Deposits: Bottom 9.2% in tier
- - Total Assets: Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
466
+3.6% YoY+1.7% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 12.8% in tier |
| Assets |
$1.9M
+1.2% YoY-4.9% QoQ
|
$-28.0M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.3% in tier |
| Loans |
$1.3M
-17.5% YoY-5.3% QoQ
|
$-14.5M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.2% in tier |
| Deposits |
$1.4M
-0.5% YoY-7.0% QoQ
|
$-24.0M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.2% in tier |
| ROA |
1.7%
+52.5% YoY+21.0% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 14.8% in tier |
| NIM |
6.7%
-0.5% YoY+5.1% QoQ
|
+2.8% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 2.0% in tier |
| Efficiency Ratio |
69.5%
-6.8% YoY-0.6% QoQ
|
-11.9% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
30% |
| Delinquency Rate |
8.5%
+72.1% YoY+1.4% QoQ
|
+7.0 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 2.6% in tier |
| Loan To Share |
87.4%
-17.0% YoY+1.8% QoQ
|
+26.1% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 14.0% in tier |
| AMR |
$5,797
-12.3% YoY-7.8% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.3% in tier |
| CD Concentration |
23.1%
+7.1% YoY+2.4% QoQ
|
-1.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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 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
51
Net Interest Margin (NIM)
profitability
Value:
6.74%
Peer Avg: 3.93%
#51 of 2596
Top 1.9% in <100M tier
257
Member Growth Rate
growth
Value:
3.56%
Peer Avg: 14.92%
#257 of 2596
Top 9.9% in <100M tier
359
Net Worth Ratio
risk
Value:
23.19%
Peer Avg: 16.43%
#359 of 2596
Top 13.8% in <100M tier
359
Loan-to-Share Ratio
balance_sheet
Value:
87.36%
Peer Avg: 61.23%
#359 of 2596
Top 13.8% in <100M tier
383
Return on Assets (ROA)
profitability
Value:
1.70%
Peer Avg: 0.68%
#383 of 2596
Top 14.7% in <100M tier
Top Weaknesses (12 metrics)
2530
Total Delinquency Rate (60+ days)
risk
Value:
8.46%
Peer Avg: 1.51%
#2530 of 2596
Bottom 2.6% in <100M tier
2455
AMR Growth Rate
growth
Value:
-12.35%
Peer Avg: 4.67%
#2455 of 2596
Bottom 5.5% in <100M tier
2383
Loan Growth Rate
growth
Value:
-17.47%
Peer Avg: 59.01%
#2383 of 2596
Bottom 8.2% in <100M tier
2358
Total Deposits
balance_sheet
Value:
$1.44M
Peer Avg: $25.45M
#2358 of 2596
Bottom 9.2% in <100M tier
2355
Total Assets
balance_sheet
Value:
$1.90M
Peer Avg: $29.86M
#2355 of 2596
Bottom 9.3% in <100M tier
2302
Average Member Relationship (AMR)
engagement
Value:
$5,797
Peer Avg: $14,627
#2302 of 2596
Bottom 11.4% in <100M tier
2290
Net Charge-Off Rate
risk
Value:
1.16%
Peer Avg: 0.57%
#2290 of 2596
Bottom 11.8% in <100M tier
2265
Total Members
engagement
Value:
466
Peer Avg: 2,626
#2265 of 2596
Bottom 12.8% in <100M tier
2254
Total Loans
balance_sheet
Value:
$1.26M
Peer Avg: $15.77M
#2254 of 2596
Bottom 13.2% in <100M tier
2237
Fee Income Per Member
profitability
Value:
$4.64
Peer Avg: $182.96
#2237 of 2596
Bottom 13.9% in <100M tier