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 1.08% below tier average
- - Efficiency ratio 33.62% above tier (higher cost structure)
- - Delinquency rate 1.49% above tier average
- - Member decline: -13.3% YoY
- - Net Worth Ratio: Bottom 0.8% in tier
- - Share Certificate Concentration (%): Bottom 2.1% in tier
- - Asset Growth Rate: Bottom 2.3% in tier
- - Member Growth Rate: Bottom 3.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -12.3% year over year ($8.3M in shares and deposits).
- Membership: 958 members, -13.3% vs a year ago.
- Delinquency rate 3.04%.
- Return on assets 0.41%.
- Efficiency ratio 122.39% vs a 88.77% peer average.
- Loan-to-share ratio 76.87% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
958
-13.3% YoY-4.9% QoQ
|
-1.6K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
27% |
| Assets |
$8.8M
-14.7% YoY-6.8% QoQ
|
$-21.5M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$6.4M
-24.7% YoY-5.7% QoQ
|
$-9.1M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
40% |
| Deposits |
$8.3M
-12.3% YoY-7.3% QoQ
|
$-17.5M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
32% |
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| ROA |
0.4%
-107.1% YoY
|
-1.1% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
3.5%
+3.1% YoY+1.6% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
35% |
| Efficiency Ratio |
122.4%
-6.9% YoY+22.4% QoQ
|
+33.6% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.7% in tier |
| Delinquency Rate |
3.0%
-10.5% YoY+20.0% QoQ
|
+1.5 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.8% in tier |
| Loan To Share |
76.9%
-14.1% YoY+1.7% QoQ
|
+18.0% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$15,314
-5.6% YoY-1.9% QoQ
|
+$351 |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
57% |
| CD Concentration |
55.7%
-6.2% YoY-6.4% QoQ
|
+31.2% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)