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 6.19% below tier average
- - Efficiency ratio 55.38% above tier (higher cost structure)
- - Delinquency rate 0.81% above tier average
- - Member decline: -15.0% YoY
- - Net Worth Ratio: Bottom 0.5% in tier
- - Share Certificate Concentration (%): Bottom 0.9% in tier
- - Member Growth Rate: Bottom 2.6% in tier
- - Net Charge-Off Rate: Bottom 3.1% in tier
- - Loan Growth Rate: Bottom 4.7% in tier
- - Asset Growth Rate: Bottom 5.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,044
-15.0% YoY-5.5% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$9.7M
-9.6% YoY-3.1% QoQ
|
$-20.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$7.2M
-21.8% YoY-10.6% QoQ
|
$-8.5M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$9.3M
-5.4% YoY-1.1% QoQ
|
$-16.4M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
-5.6%
+97.5% YoY+16.3% QoQ
|
-6.2% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.9% in tier |
| NIM |
3.2%
-14.1% YoY-2.6% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
137.9%
+24.3% YoY+1.6% QoQ
|
+55.4% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 2.5% in tier |
| Delinquency Rate |
2.4%
-15.6% YoY-25.2% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
78.2%
-17.4% YoY-9.6% QoQ
|
+17.5% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$15,811
+1.9% YoY+0.0% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
64.4%
+10.3% YoY+0.4% QoQ
|
+40.0% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)