BlastPoint's Credit Union Scorecard
ALAMO CITY
Charter #61267 · TX
ALAMO CITY has 1 strength but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 5.47% below tier average
- - Efficiency ratio 54.32% above tier (higher cost structure)
- - Delinquency rate 1.65% above tier average
- - Member decline: -10.1% YoY
- - Share Certificate Concentration (%): Bottom 0.7% in tier
- - Net Worth Ratio: Bottom 0.9% in tier
- - Asset Growth Rate: Bottom 4.9% in tier
- - Member Growth Rate: Bottom 5.7% in tier
- - Net Charge-Off Rate: Bottom 8.1% in tier
- - Loan Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,105
-10.1% YoY0% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
31% |
| Assets |
$10.1M
-10.7% YoY-2.0% QoQ
|
$-19.8M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$8.1M
-17.0% YoY-4.3% QoQ
|
$-7.7M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
45% |
| Deposits |
$9.4M
-7.6% YoY-1.0% QoQ
|
$-16.1M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
35% |
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| ROA |
-4.8%
+139.4% YoY-16.6% QoQ
|
-5.5% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.1% in tier |
| NIM |
3.3%
-12.9% YoY-4.0% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
135.7%
+30.9% YoY+3.3% QoQ
|
+54.3% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 3.0% in tier |
| Delinquency Rate |
3.2%
-27.0% YoY-6.9% QoQ
|
+1.7 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 11.1% in tier |
| Loan To Share |
86.5%
-10.3% YoY-3.3% QoQ
|
+25.3% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 15.0% in tier |
| AMR |
$15,805
-2.4% YoY-2.6% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration |
64.2%
+14.7% YoY+8.0% QoQ
|
+39.8% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)