AUSTIN TELCO

Charter #4584 | TX

1B-3B (304 CUs) Mid-Market (380 CUs)
26 1B-3B in TX

AUSTIN TELCO has 5 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 8.0% in tier
  • + Wallet Share Momentum: Top 17.9% in tier
  • + Organic Growth Engine: Top 32.2% in tier
  • + Average Member Relationship (AMR): Top 6.2% in tier
  • + Loan-to-Member Ratio (LMR): Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 11.2% in tier
  • - Indirect Auto Dependency: Bottom 27.6% in tier
  • - Flatlined Growth: Bottom 34.3% in tier
  • - ROA 0.24% below tier average
  • - Net Interest Margin (NIM): Bottom 3.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 94,184
+1.4% YoY+1.3% QoQ
 -4.5K 98,678
-1.9% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 54th in tier
Assets $2.5B
+1.1% YoY-0.2% QoQ
 +$820.7M $1.7B
+0.5% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Top 13.5% in tier
Loans $1.8B
+4.2% YoY+0.6% QoQ
 +$535.1M $1.2B
+0.5% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Top 16.1% in tier
Deposits $2.2B
+7.7% YoY-0.5% QoQ
 +$703.2M $1.5B
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Top 12.5% in tier
ROA 0.5%
-29.0% YoY-7.6% QoQ
 -0.2% 0.7%
+13.4% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 29th in tier
NIM 2.0%
+17.1% YoY+2.2% QoQ
 -1.3% 3.3%
+9.3% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Bottom 3.3% in tier
Efficiency Ratio 73.0%
+13.5% YoY-1.5% QoQ
 -0.9% 74.0%
-10.9% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 41st in tier
Delinquency Rate 0.4%
-22.3% YoY+1.6% QoQ
 -0.4 0.8%
+6.1% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Bottom 23.4% in tier
Loan To Share 81.9%
-3.2% YoY+1.1% QoQ
 -3.2% 85.2%
-0.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 34th in tier
AMR $41,681
+4.6% YoY-1.3% QoQ
 +$13K $29,172
+2.8% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Top 6.6% in tier
CD Concentration 28.1%
-0.2% YoY+4.1% QoQ
 -0.9% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 47th in tier
Indirect Auto % 24.0%
+5.5% YoY+26.1% QoQ
 +5.2% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 66th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#59 of 264 • Top 8.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.61%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.0K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#130 of 264 • Top 17.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.61%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Organic Growth Engine

growth
#234 of 246 • Top 32.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.45%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.46%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 24.01%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (3)

Liquidity Overhang

risk
#37 of 113 • Bottom 11.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.56%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 81.95%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#171 of 202 • Bottom 27.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 1.07%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 24.01%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.45%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Flatlined Growth

risk
#13 of 18 • Bottom 34.3% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $2.54B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 1.07%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Return on Assets: 0.46%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
18 of 380 Mid-Market CUs have this signature | 82 nationally
→ Stable (18→18 CUs) | New qualifier

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)

Comparing against 304 peers in tier

Top Strengths (8 metrics)

20
Average Member Relationship (AMR)
engagement
Value: $41,681
Peer Avg: $29,172
#20 of 304 Top 6.2% in 1B-3B tier
20
Loan-to-Member Ratio (LMR)
engagement
Value: $18,773
Peer Avg: $13,213
#20 of 304 Top 6.2% in 1B-3B tier
38
Total Deposits
balance_sheet
Value: $2.16B
Peer Avg: $1.45B
#38 of 304 Top 12.2% in 1B-3B tier
39
Net Worth Ratio
risk
Value: 13.56%
Peer Avg: 11.44%
#39 of 304 Top 12.5% in 1B-3B tier
41
Total Assets
balance_sheet
Value: $2.54B
Peer Avg: $1.72B
#41 of 304 Top 13.2% in 1B-3B tier
49
Total Loans
balance_sheet
Value: $1.77B
Peer Avg: $1.23B
#49 of 304 Top 15.8% in 1B-3B tier
72
Total Delinquency Rate (60+ days)
risk
Value: 0.42%
Peer Avg: 0.83%
#72 of 304 Top 23.4% in 1B-3B tier
76
Deposit Growth Rate
growth
Value: 7.73%
Peer Avg: 5.58%
#76 of 304 Top 24.7% in 1B-3B tier

Top Weaknesses (2 metrics)

294
Net Interest Margin (NIM)
profitability
Value: 2.01%
Peer Avg: 3.26%
#294 of 304 Bottom 3.6% in 1B-3B tier
247
First Mortgage Concentration (%)
balance_sheet
Value: 46.32%
Peer Avg: 34.01%
#247 of 304 Bottom 19.1% in 1B-3B tier