BlastPoint's Credit Union Scorecard
ALLIED
Charter #17100 · TX
ALLIED has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 42.1% in tier
- + Organic Growth Leader: Top 95.5% in tier
- + ROA 1.16% above tier average
- + Net Interest Margin 0.42% above tier average
- + Share Certificate Concentration (%): Top 3.3% in tier
- + Efficiency Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Total Loans: Bottom 6.5% in tier
- - Loan-to-Share Ratio: Bottom 6.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,285
+0.6% YoY+0.4% QoQ
|
-7.2K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$134.8M
+4.5% YoY+2.7% QoQ
|
$-97.1M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$53.6M
+4.5% YoY+1.4% QoQ
|
$-93.7M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.4% in tier |
| Deposits |
$118.4M
+2.9% YoY+2.4% QoQ
|
$-82.4M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
1.9%
+34.0% YoY+0.3% QoQ
|
+1.2% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 2.8% in tier |
| NIM |
4.0%
+16.6% YoY+0.6% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
60.6%
-6.5% YoY+0.2% QoQ
|
-16.5% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.7% in tier |
| Delinquency Rate |
0.6%
-24.4% YoY-23.5% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
45.3%
+1.6% YoY-1.0% QoQ
|
-26.9% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.8% in tier |
| AMR |
$20,767
+2.7% YoY+1.8% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
3.2%
+1.7% YoY-4.0% QoQ
|
-21.3% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
0.9%
-41.2% YoY-13.5% QoQ
|
-12.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)