BlastPoint's Credit Union Scorecard
AMOCO
Charter #2441 · TX
AMOCO has 3 strengths but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 87.0% in tier
- + ROA 0.10% above tier average
- + Net Interest Margin 0.47% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 15.6% in tier
- - Liquidity Strain: Bottom 22.7% in tier
- - Credit Quality Pressure: Bottom 22.8% in tier
- - Stagnation Risk: Bottom 23.0% in tier
- - Credit Risk Growth: Bottom 23.0% in tier
- - Membership Headwinds: Bottom 31.0% in tier
- - Efficiency ratio 0.70% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
106,634
-0.7% YoY0% QoQ
|
+8.0K |
98,678
-1.9% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$1.4B
+3.3% YoY+0.9% QoQ
|
$-293.9M |
$1.7B
+0.5% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
41% |
| Loans |
$1.2B
+6.3% YoY-0.5% QoQ
|
$-71.6M |
$1.2B
+0.5% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$1.2B
+3.6% YoY+0.2% QoQ
|
$-218.0M |
$1.5B
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
45% |
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| ROA |
0.8%
+35.4% YoY+13.9% QoQ
|
+0.1% |
0.7%
+13.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
63% |
| NIM |
3.7%
+4.2% YoY+1.4% QoQ
|
+0.5% |
3.3%
+9.3% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
74.7%
-4.0% YoY-0.6% QoQ
|
+0.7% |
74.0%
-10.9% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
51% |
| Delinquency Rate |
0.7%
+6.0% YoY+16.4% QoQ
|
-0.1 |
0.8%
+6.1% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
55% |
| Loan To Share |
93.9%
+2.6% YoY-0.7% QoQ
|
+8.7% |
85.2%
-0.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
70% |
| AMR |
$22,486
+5.6% YoY-0.2% QoQ
|
$-7K |
$29,172
+2.8% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
17% |
| CD Concentration |
30.3%
-4.4% YoY+3.5% QoQ
|
+1.4% |
29.0%
+0.7% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
58% |
| Indirect Auto % |
27.1%
+2.5% YoY+14.8% QoQ
|
+8.3% |
18.8%
-3.0% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
70% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)