We address text-assisted speech intelligibility prediction for hearing-impaired listeners in CPC3. Although the target is a sentence-level percentage, it is determined by reference-word recognition outcomes. We formulate prediction as reference-conditioned word-level correctness modeling: a frozen Whisper encoder analyzes degraded speech, a teacher-forced decoder conditions on the canonical transcript, and sentence intelligibility is obtained by averaging predicted correctness probabilities over valid reference words. To complement transcript-conditioned decoder states, we add a word-aligned local acoustic branch based on character-level cross-attention alignment and an utterance-level global acoustic branch for calibration. On the official evaluation set, the decoder baseline obtains RMSE 24.92 and correlation 0.795, while joint fusion improves to incorrect-word F1 0.778, MCC 0.626, correlation 0.806, and RMSE 24.39. A similar trend with Whisper medium suggests that the gain comes from prediction granularity and alignment-aware fusion.