BlastPoint's Credit Union Scorecard
ALAMO CITY
Charter #61267 · TX
ALAMO CITY faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Efficiency ratio 9.39% above tier (higher cost structure)
- - Delinquency rate 1.03% above tier average
- - Member decline: -10.2% YoY
- - Net Worth Ratio: Bottom 0.6% in tier
- - Share Certificate Concentration (%): Bottom 1.6% in tier
- - Asset Growth Rate: Bottom 2.6% in tier
- - Loan Growth Rate: Bottom 5.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,007
-10.2% YoY-3.5% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$9.4M
-13.1% YoY-3.7% QoQ
|
$-20.8M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$6.8M
-22.5% YoY-6.6% QoQ
|
$-8.5M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
41% |
| Deposits |
$8.9M
-8.9% YoY-3.4% QoQ
|
$-16.8M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
33% |
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| ROA |
-0.0%
-100.0% YoY-100.0% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
21% |
| NIM |
3.5%
+5.4% YoY+8.5% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
34% |
| Efficiency Ratio |
100.0%
-25.4% YoY-27.5% QoQ
|
+9.4% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
84% |
| Delinquency Rate |
2.5%
-20.9% YoY+7.0% QoQ
|
+1.0 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 14.1% in tier |
| Loan To Share |
75.6%
-15.0% YoY-3.3% QoQ
|
+17.1% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
76% |
| AMR |
$15,603
-5.7% YoY-1.3% QoQ
|
+$718 |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
59% |
| CD Concentration |
59.5%
+2.1% YoY-7.6% QoQ
|
+35.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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)