BlastPoint's Credit Union Scorecard
ALBA-GOLDEN
Charter #13655 · TX
ALBA-GOLDEN has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.15% above tier average
- + Asset Growth Rate: Top 1.5% in tier
- + Deposit Growth Rate: Top 1.6% in tier
- + Loan Growth Rate: Top 3.1% in tier
- + Efficiency Ratio: Top 3.4% in tier
- + AMR Growth Rate: Top 3.7% in tier
- + Loan-to-Member Ratio (LMR): Top 6.6% in tier
- + Loan-to-Share Ratio: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Share Certificate Concentration (%): Bottom 2.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +19.7% year over year ($18.1M in shares and deposits).
- Membership: 1,553 members, +1.9% vs a year ago.
- Delinquency rate 0.01%.
- Return on assets 1.39%.
- Efficiency ratio 46.94% vs a 88.77% peer average.
- Loan-to-share ratio 92.61% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,553
+1.9% YoY-0.6% QoQ
|
-1.0K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
42% |
| Assets |
$22.2M
+18.3% YoY+1.6% QoQ
|
$-8.1M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$16.8M
+21.3% YoY+7.5% QoQ
|
+$1.3M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
65% |
| Deposits |
$18.1M
+19.7% YoY+1.0% QoQ
|
$-7.7M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
49% |
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| ROA |
1.4%
-21.7% YoY+66.8% QoQ
|
-0.1% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
77% |
| NIM |
5.1%
-17.2% YoY+3.0% QoQ
|
+1.2% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 11.1% in tier |
| Efficiency Ratio |
46.9%
+1.0% YoY+6.5% QoQ
|
-41.8% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 3.4% in tier |
| Delinquency Rate |
0.0%
-98.1% YoY-98.2% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Top 13.5% in tier |
| Loan To Share |
92.6%
+1.4% YoY+6.5% QoQ
|
+33.7% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 6.9% in tier |
| AMR |
$22,432
+18.2% YoY+4.7% QoQ
|
+$7K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 14.6% in tier |
| CD Concentration |
54.5%
+45.7% YoY+3.2% QoQ
|
+30.0% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 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)