BlastPoint's Credit Union Scorecard
ALBA-GOLDEN
Charter #13655 · TX
ALBA-GOLDEN has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.26% above tier average
- + Net Interest Margin 2.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 1.5% in tier
- + Efficiency Ratio: Top 3.3% in tier
- + AMR Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 5.9% in tier
- - Share Certificate Concentration (%): Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,532
+2.8% YoY+0.5% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$19.5M
+3.7% YoY+3.5% QoQ
|
$-10.4M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
48% |
| Loans |
$14.1M
+26.3% YoY+2.0% QoQ
|
$-1.7M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
60% |
| Deposits |
$15.8M
+3.5% YoY+4.6% QoQ
|
$-9.6M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
47% |
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| ROA |
1.9%
+3260.1% YoY+9.6% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 10.0% in tier |
| NIM |
6.0%
+43.2% YoY-1.0% QoQ
|
+2.1% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 4.1% in tier |
| Efficiency Ratio |
43.8%
-31.5% YoY-5.7% QoQ
|
-37.5% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.3% in tier |
| Delinquency Rate |
1.3%
+214.3% QoQ
|
-0.2 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
89.0%
+22.0% YoY-2.6% QoQ
|
+27.8% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 12.1% in tier |
| AMR |
$19,514
+10.0% YoY+2.8% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
78% |
| CD Concentration |
40.9%
+21.4% YoY+9.3% QoQ
|
+16.5% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)