BlastPoint's Credit Union Scorecard
AUSTIN TELCO
Charter #4584 · TX
AUSTIN TELCO has 2 strengths but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 7.5% in tier
- + Average Member Relationship (AMR): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 83.9% in tier
- - Shrinking Wallet Share: Bottom 85.8% in tier
- - Deposit Outflow: Bottom 90.5% in tier
- - ROA 0.15% below tier average
- - Efficiency ratio 1.47% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 3.3% in tier
- - Deposit Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
95,564
+1.4% YoY+0.8% QoQ
|
-484 |
96,048
-2.7% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
58% |
| Assets |
$2.5B
+0.9% YoY-0.3% QoQ
|
+$826.4M |
$1.7B
+0.4% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Top 14.1% in tier |
| Loans |
$1.8B
+0.6% YoY-0.1% QoQ
|
+$550.1M |
$1.2B
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
84% |
| Deposits |
$2.2B
-0.8% YoY-0.4% QoQ
|
+$685.7M |
$1.5B
+0.5% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Top 13.7% in tier |
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| ROA |
0.6%
+22.5% YoY+13.2% QoQ
|
-0.1% |
0.7%
+27.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
41% |
| NIM |
2.2%
+13.5% YoY+5.3% QoQ
|
-1.2% |
3.4%
+6.2% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio |
76.1%
+1.2% YoY+4.9% QoQ
|
+1.5% |
74.6%
-3.0% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
54% |
| Delinquency Rate |
0.4%
-10.9% YoY-25.9% QoQ
|
-0.4 |
0.8%
+6.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
23% |
| Loan To Share |
82.0%
+1.4% YoY+0.3% QoQ
|
-1.2% |
83.2%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
40% |
| AMR |
$40,968
-1.6% YoY-1.1% QoQ
|
+$11K |
$29,652
+2.3% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Top 9.5% in tier |
| CD Concentration |
27.9%
+3.9% YoY+0.0% QoQ
|
-0.9% | 28.8% | 21.3% | 19.8% | 47% |
| Indirect Auto % |
23.7%
+4.5% YoY+2.0% QoQ
|
+5.6% | 18.1% | 6.9% | 7.7% | 68% |
Signature Analysis
Strengths (0)
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)