BlastPoint's Credit Union Scorecard
ALPINE COMMUNITY
Charter #68010 · TX
ALPINE COMMUNITY has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.52% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,959
-2.4% YoY-1.1% QoQ
|
-656 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$14.3M
+0.8% YoY+0.2% QoQ
|
$-15.8M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$3.7M
-11.8% YoY-3.3% QoQ
|
$-12.1M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
27% |
| Deposits |
$12.0M
-0.5% YoY+0.1% QoQ
|
$-13.7M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
1.1%
-14.0% YoY-10.5% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
3.5%
-5.5% YoY-0.9% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
35% |
| Efficiency Ratio |
70.1%
+16.4% YoY+4.8% QoQ
|
-12.5% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
1.0%
+177.6% YoY+9.7% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
30.6%
-11.4% YoY-3.4% QoQ
|
-30.0% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.7% in tier |
| AMR |
$7,977
-1.0% YoY+0.3% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration |
11.2%
-2.7% YoY-0.1% QoQ
|
-13.2% | 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)