BlastPoint's Credit Union Scorecard
AUSTIN TELCO
Charter #4584 · TX
AUSTIN TELCO has 2 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 5.7% in tier
- + Average Member Relationship (AMR): Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 89.0% in tier
- - Indirect Auto Dependency: Bottom 89.0% in tier
- - Deposit Outflow: Bottom 95.4% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 2.32% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 3.3% in tier
- - Deposit Growth Rate: Bottom 6.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
- Shares and deposits -2.3% year over year ($2.12B in shares and deposits).
- Membership: 94,219 members, +1.3% vs a year ago.
- Delinquency rate 0.35%.
- Return on assets 0.59%.
- Efficiency ratio 75.34% vs a 73.02% peer average.
- Loan-to-share ratio 87.95% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
94,219
+1.3% YoY-1.4% QoQ
|
-2.6K |
96,861
-1.9% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
57% |
| Assets |
$2.5B
-0.3% YoY-0.4% QoQ
|
+$813.0M |
$1.7B
+0.4% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Top 14.0% in tier |
| Loans |
$1.9B
+6.0% YoY+5.6% QoQ
|
+$628.9M |
$1.2B
+0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Top 13.3% in tier |
| Deposits |
$2.1B
-2.3% YoY-1.5% QoQ
|
+$655.0M |
$1.5B
+0.5% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Top 14.7% in tier |
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| ROA |
0.6%
+18.2% YoY+3.9% QoQ
|
-0.2% |
0.8%
+27.6% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
33% |
| NIM |
2.2%
+13.9% YoY+3.4% QoQ
|
-1.2% |
3.4%
+6.6% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 3.0% in tier |
| Efficiency Ratio |
75.3%
+1.6% YoY-1.0% QoQ
|
+2.3% |
73.0%
-2.7% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
59% |
| Delinquency Rate |
0.4%
-14.3% YoY-4.1% QoQ
|
-0.5 |
0.9%
+7.3% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
16% |
| Loan To Share |
88.0%
+8.5% YoY+7.3% QoQ
|
+3.2% |
84.7%
+0.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$42,258
+0.1% YoY+3.1% QoQ
|
+$13K |
$29,575
+1.5% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 6.7% in tier |
| CD Concentration |
28.7%
+6.1% YoY+2.7% QoQ
|
-0.4% | 29.1% | 21.6% | 20.0% | 49% |
| Indirect Auto % |
26.5%
+39.1% YoY+11.7% QoQ
|
+8.4% | 18.1% | 6.9% | 7.7% | 72% |
Signature Analysis
Strengths (0)
Concerns (3)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)