BlastPoint's Credit Union Scorecard
W T N M ATLANTIC
Charter #7677 · TX
<100M
2508 CUs in <100M nationally
237 in TX
W T N M ATLANTIC has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% above tier average
- + Net Interest Margin 2.53% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 7.32% above tier average
- - AMR Growth Rate: Bottom 1.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.8% in tier
- - Deposit Growth Rate: Bottom 3.9% in tier
- - Asset Growth Rate: Bottom 4.8% in tier
- - Loan Growth Rate: Bottom 4.8% in tier
- - Total Deposits: Bottom 8.5% in tier
- - Total Assets: Bottom 8.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
469
+2.4% YoY-0.2% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Bottom 12.6% in tier |
| Assets |
$1.9M
-9.8% YoY+2.2% QoQ
|
$-28.3M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.8% in tier |
| Loans |
$1.1M
-23.0% YoY-9.8% QoQ
|
$-14.2M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.0% in tier |
| Deposits |
$1.4M
-13.3% YoY+2.9% QoQ
|
$-24.4M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.4% in tier |
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
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
-72.1% YoY-61.2% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
48% |
| NIM |
6.5%
+1.5% YoY-7.5% QoQ
|
+2.5% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 2.0% in tier |
| Efficiency Ratio |
79.7%
+16.5% YoY+8.7% QoQ
|
-10.9% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
45% |
| Delinquency Rate |
8.8%
-0.2% YoY+2.6% QoQ
|
+7.3 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.8% in tier |
| Loan To Share |
76.7%
-11.3% YoY-12.3% QoQ
|
+18.2% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$5,294
-19.7% YoY-2.8% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.9% in tier |
| CD Concentration |
22.5%
-1.0% YoY-2.0% QoQ
|
-1.8% | 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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
51
Net Interest Margin (NIM)
profitability
Value:
6.54%
Peer Median: 3.83%
#51 of 2508
Top 2.0% in <100M tier
316
Net Worth Ratio
risk
Value:
23.95%
Peer Median: 14.28%
#316 of 2508
Top 12.6% in <100M tier
359
Member Growth Rate
growth
Value:
2.40%
Peer Median: -1.37%
#359 of 2508
Top 14.3% in <100M tier
563
Loan-to-Share Ratio
balance_sheet
Value:
76.69%
Peer Median: 58.72%
#563 of 2508
Top 22.4% in <100M tier
Top Weaknesses (14 metrics)
2464
AMR Growth Rate
growth
Value:
-19.71%
Peer Median: 1.27%
#2464 of 2508
Bottom 1.8% in <100M tier
2439
Total Delinquency Rate (60+ days)
risk
Value:
8.82%
Peer Median: 0.65%
#2439 of 2508
Bottom 2.8% in <100M tier
2411
Deposit Growth Rate
growth
Value:
-13.25%
Peer Median: 0.66%
#2411 of 2508
Bottom 3.9% in <100M tier
2389
Asset Growth Rate
growth
Value:
-9.79%
Peer Median: 1.30%
#2389 of 2508
Bottom 4.8% in <100M tier
2388
Loan Growth Rate
growth
Value:
-23.03%
Peer Median: -2.36%
#2388 of 2508
Bottom 4.8% in <100M tier
2297
Total Deposits
balance_sheet
Value:
$1.41M
Peer Median: $18.77M
#2297 of 2508
Bottom 8.5% in <100M tier
2288
Total Assets
balance_sheet
Value:
$1.86M
Peer Median: $21.86M
#2288 of 2508
Bottom 8.8% in <100M tier
2260
Average Member Relationship (AMR)
engagement
Value:
$5,294
Peer Median: $13,926
#2260 of 2508
Bottom 9.9% in <100M tier
2207
Total Loans
balance_sheet
Value:
$1.08M
Peer Median: $9.48M
#2207 of 2508
Bottom 12.0% in <100M tier
2192
Total Members
engagement
Value:
469
Peer Median: 1,918
#2192 of 2508
Bottom 12.6% in <100M tier