BlastPoint's Credit Union Scorecard
AMOCO
Charter #2441 · TX
AMOCO has 4 strengths but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 6.6% in tier
- + ROA 0.05% above tier average
- + Net Interest Margin 0.39% above tier average
- + AMR Growth Rate: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 14.3% in tier
- - Stagnation Risk: Bottom 32.1% in tier
- - Indirect Auto Dependency: Bottom 38.5% in tier
- - Liquidity Strain: Bottom 92.1% in tier
- - Efficiency ratio 1.06% above tier (higher cost structure)
- - Member decline: -9.8% YoY
- - Member Growth Rate: Bottom 5.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
98,055
-9.8% YoY-8.0% QoQ
|
+623 |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$1.5B
+6.5% YoY+2.9% QoQ
|
$-256.9M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$1.2B
+3.0% YoY+0.5% QoQ
|
$-67.7M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$1.3B
+7.2% YoY+3.3% QoQ
|
$-181.7M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
0.7%
+33.3% YoY-9.3% QoQ
|
+0.0% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
3.7%
+0.6% YoY-1.9% QoQ
|
+0.4% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
75.1%
-3.9% YoY+0.6% QoQ
|
+1.1% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.7%
-16.6% YoY-1.9% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
45% |
| Loan To Share |
91.3%
-3.9% YoY-2.8% QoQ
|
+6.5% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$24,928
+16.5% YoY+10.9% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
30.0%
-5.9% YoY-1.0% QoQ
|
+1.0% | 29.0% | 21.2% | 19.8% | 56% |
| Indirect Auto % |
21.5%
-15.7% YoY-20.7% QoQ
|
+3.2% | 18.3% | 7.1% | 7.8% | 62% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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.
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)