ALAMO CITY
Charter #61267 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in 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
|
31st in tier |
| 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
|
32nd in tier |
| 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
|
45th in tier |
| 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
|
35th in tier |
| 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
|
26th in tier |
| 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
|
62nd in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
385
Loan-to-Share Ratio
balance_sheet
Value:
86.51%
Peer Avg: 61.23%
#385 of 2596
Top 14.8% in <100M tier
602
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,331
Peer Avg: $5,488
#602 of 2596
Top 23.2% in <100M tier
Top Weaknesses (11 metrics)
2578
Share Certificate Concentration (%)
balance_sheet
Value:
64.18%
Peer Avg: 15.37%
#2578 of 2596
Bottom 0.7% in <100M tier
2574
Net Worth Ratio
risk
Value:
6.16%
Peer Avg: 16.43%
#2574 of 2596
Bottom 0.9% in <100M tier
2568
Return on Assets (ROA)
profitability
Value:
-4.78%
Peer Avg: 0.68%
#2568 of 2596
Bottom 1.1% in <100M tier
2519
Efficiency Ratio
profitability
Value:
135.71%
Peer Avg: 81.39%
#2519 of 2596
Bottom 3.0% in <100M tier
2471
Asset Growth Rate
growth
Value:
-10.67%
Peer Avg: 1.82%
#2471 of 2596
Bottom 4.9% in <100M tier
2449
Member Growth Rate
growth
Value:
-10.09%
Peer Avg: 14.92%
#2449 of 2596
Bottom 5.7% in <100M tier
2387
Net Charge-Off Rate
risk
Value:
1.58%
Peer Avg: 0.57%
#2387 of 2596
Bottom 8.1% in <100M tier
2367
Loan Growth Rate
growth
Value:
-17.04%
Peer Avg: 59.01%
#2367 of 2596
Bottom 8.9% in <100M tier
2313
Deposit Growth Rate
growth
Value:
-7.55%
Peer Avg: 16.80%
#2313 of 2596
Bottom 10.9% in <100M tier
2308
Total Delinquency Rate (60+ days)
risk
Value:
3.16%
Peer Avg: 1.51%
#2308 of 2596
Bottom 11.1% in <100M tier