BlastPoint's Credit Union Scorecard

AMOCO

Charter #2441 · TX

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 28 in TX

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AMOCO has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 2.9% in tier
+ AMR Growth Rate: Top 2.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 14.4% in tier
- Indirect Auto Dependency: Bottom 47.9% in tier
- Membership Headwinds: Bottom 98.4% in tier
- Stagnation Risk: Bottom 98.4% in tier
- ROA 0.42% below tier average
- Efficiency ratio 9.08% above tier (higher cost structure)
- Member decline: -12.0% YoY
- Member Growth Rate: Bottom 2.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	96,998 -12.0% YoY-1.1% QoQ	+949	96,048 -2.7% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	60%
Assets	$1.5B +5.2% YoY+2.0% QoQ	$-224.7M	$1.7B +0.4% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	47%
Loans	$1.2B +2.9% YoY+1.6% QoQ	$-28.2M	$1.2B +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	60%
Deposits	$1.3B +5.7% YoY+3.1% QoQ	$-147.9M	$1.5B +0.5% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	51%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -22.9% YoY-58.9% QoQ	-0.4%	0.7% +27.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	16%
NIM	3.2% -12.6% YoY-13.2% QoQ	-0.2%	3.4% +6.2% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	37%
Efficiency Ratio	83.7% +5.7% YoY+11.4% QoQ	+9.1%	74.6% -3.0% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	84%
Delinquency Rate	0.5% -31.4% YoY-33.2% QoQ	-0.3	0.8% +6.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	34%
Loan To Share	90.0% -2.6% YoY-1.5% QoQ	+6.8%	83.2% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	65%
AMR	$25,807 +18.6% YoY+3.5% QoQ	$-4K	$29,652 +2.3% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	34%
CD Concentration	30.7% +4.9% YoY+2.1% QoQ	+1.8%	28.8%	21.3%	19.8%	60%
Indirect Auto %	20.5% -7.9% YoY-4.7% QoQ	+2.4%	18.1%	6.9%	7.7%	62%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#11 of 125 • Top 2.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 18.60%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#7 of 91 • Bottom 98.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -12.02%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Stagnation Risk

risk

#30 of 91 • Bottom 98.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -12.02%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 2.91%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.48%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Indirect Auto Dependency

risk

#94 of 198 • Bottom 47.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.20%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 20.47%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -12.02%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Efficiency Drag

risk

#68 of 100 • Bottom 14.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.71%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.09% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -12.02%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | New qualifier

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (2 metrics)

AMR Growth Rate

growth

Value: 18.60%

Peer Median: 3.15%

#9 of 306 Top 2.6% in 1B-3B tier

Fee Income Per Member

profitability

Value: $250.72

Peer Median: $191.54

#65 of 306 Top 20.9% in 1B-3B tier

Top Weaknesses (6 metrics)

301

Member Growth Rate

growth

Value: -12.02%

Peer Median: 2.03%

#301 of 306 Bottom 2.0% in 1B-3B tier

262

Net Worth Ratio

risk

Value: 9.04%

Peer Median: 10.85%

#262 of 306 Bottom 14.7% in 1B-3B tier

259

Efficiency Ratio

profitability

Value: 83.71%

Peer Median: 75.16%

#259 of 306 Bottom 15.7% in 1B-3B tier

258

Return on Assets (ROA)

profitability

Value: 0.30%

Peer Median: 0.66%

#258 of 306 Bottom 16.0% in 1B-3B tier

251

First Mortgage Concentration (%)

balance_sheet

Value: 45.86%

Peer Median: 33.05%

#251 of 306 Bottom 18.3% in 1B-3B tier

244

Net Charge-Off Rate

risk

Value: 0.82%

Peer Median: 0.51%

#244 of 306 Bottom 20.6% in 1B-3B tier