BlastPoint's Credit Union Scorecard
ALBA-GOLDEN
Charter #13655 · TX
ALBA-GOLDEN has 9 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.44% above tier average
- + Net Interest Margin 1.72% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.3% in tier
- + Deposit Growth Rate: Top 4.6% in tier
- + Asset Growth Rate: Top 5.2% in tier
- + Loan Growth Rate: Top 5.6% in tier
- + AMR Growth Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 3.6% in tier
- - Net Charge-Off Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,543
+2.2% YoY+0.7% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
41% |
| Assets |
$20.7M
+12.6% YoY+6.6% QoQ
|
$-9.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$14.2M
+15.6% YoY+1.0% QoQ
|
$-1.5M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$16.9M
+13.8% YoY+7.0% QoQ
|
$-8.8M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
2.1%
+2341.9% YoY+6.1% QoQ
|
+1.4% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 6.2% in tier |
| NIM |
5.7%
+1656.1% YoY-6.0% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 5.8% in tier |
| Efficiency Ratio |
43.6%
-31.7% YoY-0.6% QoQ
|
-39.0% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.3% in tier |
| Delinquency Rate |
1.1%
-40.0% YoY-21.0% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
84.1%
+1.6% YoY-5.6% QoQ
|
+23.4% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$20,186
+12.2% YoY+3.4% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
49.9%
+44.1% YoY+22.1% QoQ
|
+25.5% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)