BlastPoint's Credit Union Scorecard
AUSTIN TELCO
Charter #4584 · TX
AUSTIN TELCO has 4 strengths but faces 5 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
- + Organic Growth Engine: Top 94.3% in tier
- + Relationship Depth Leader: Top 98.4% in tier
- + Average Member Relationship (AMR): Top 7.3% in tier
- + Loan-to-Member Ratio (LMR): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 81.8% in tier
- - Indirect Auto Dependency: Bottom 85.1% in tier
- - Cost Spiral: Bottom 87.5% in tier
- - ROA 0.18% below tier average
- - Net Interest Margin (NIM): Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
94,794
+1.5% YoY+0.6% QoQ
|
-2.6K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
56% |
| Assets |
$2.6B
+1.3% YoY+0.5% QoQ
|
+$829.7M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 13.6% in tier |
| Loans |
$1.8B
+2.1% YoY-0.1% QoQ
|
+$531.2M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$2.2B
+3.2% YoY+0.1% QoQ
|
+$699.8M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 12.3% in tier |
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| ROA |
0.5%
-16.6% YoY+8.8% QoQ
|
-0.2% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
2.1%
+17.8% YoY+2.4% QoQ
|
-1.2% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.3% in tier |
| Efficiency Ratio |
72.6%
+8.7% YoY-0.6% QoQ
|
-1.5% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.5%
-22.4% YoY+18.7% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
27% |
| Loan To Share |
81.8%
-1.0% YoY-0.2% QoQ
|
-3.0% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$41,403
+1.2% YoY-0.7% QoQ
|
+$12K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Top 7.6% in tier |
| CD Concentration |
27.9%
+3.8% YoY-0.8% QoQ
|
-1.2% | 29.0% | 21.2% | 19.8% | 47% |
| Indirect Auto % |
23.3%
+6.4% YoY-3.1% QoQ
|
+4.9% | 18.3% | 7.1% | 7.8% | 67% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
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.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)