BlastPoint's Credit Union Scorecard

AMPLIFY

Charter #68681 · TX

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 27 in TX
View Mid-Market leaderboard →

AMPLIFY has 3 strengths but faces 18 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Loan-to-Member Ratio (LMR): Top 7.6% in tier
  • + Share Certificate Concentration (%): Top 8.9% in tier
  • + Net Charge-Off Rate: Top 9.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 18.6% in tier
  • - Stagnation Risk: Bottom 29.8% in tier
  • - Membership Headwinds: Bottom 32.1% in tier
  • - Efficiency Drag: Bottom 44.9% in tier
  • - Capital Constraint: Bottom 66.7% in tier
  • - Liquidity Strain: Bottom 75.8% in tier
  • - Institutional Decline: Bottom 79.3% in tier
  • - ROA 0.81% below tier average
  • - Efficiency ratio 29.25% above tier (higher cost structure)
  • - Member decline: -3.6% YoY
  • - Members Per Employee (MPE): Bottom 2.3% in tier
  • - First Mortgage Concentration (%): Bottom 3.0% in tier
  • - Total Members: Bottom 3.3% in tier
  • - Deposit Growth Rate: Bottom 4.0% in tier
  • - Asset Growth Rate: Bottom 4.6% in tier
  • - Net Interest Margin (NIM): Bottom 8.3% in tier
  • - Total Deposits: Bottom 8.6% in tier
  • - Member Growth Rate: Bottom 9.6% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 47,765
-3.6% YoY+0.3% QoQ
 -49.7K 97,431
-2.4% YoY
 27,007
+3.4% YoY
 33,374
+5.7% YoY
 Bottom 3.0% in tier
Assets $1.3B
-4.3% YoY-1.5% QoQ
 $-470.6M $1.7B
+0.9% YoY
 $418.5M
+7.2% YoY
 $561.6M
+9.7% YoY
 26%
Loans $886.6M
-2.3% YoY+2.1% QoQ
 $-347.8M $1.2B
+0.5% YoY
 $298.6M
+5.4% YoY
 $397.0M
+8.8% YoY
 24%
Deposits $918.4M
-4.2% YoY-0.2% QoQ
 $-540.9M $1.5B
+0.9% YoY
 $347.2M
+7.2% YoY
 $477.3M
+9.7% YoY
 Bottom 8.3% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA -0.1%
-122.8% YoY-2.5% QoQ
 -0.8% 0.7%
+20.9% YoY
 0.6%
+2.3% YoY
 0.7%
+15.9% YoY
 Bottom 3.0% in tier
NIM 2.5%
-0.9% YoY+1.3% QoQ
 -0.8% 3.3%
+9.2% YoY
 3.9%
+3.4% YoY
 3.8%
+5.1% YoY
 Bottom 7.9% in tier
Efficiency Ratio 103.3%
+22.3% YoY-0.4% QoQ
 +29.2% 74.1%
-9.5% YoY
 80.2%
-0.8% YoY
 79.7%
-3.3% YoY
 Top 1.0% in tier
Delinquency Rate 0.6%
+106.3% YoY+49.7% QoQ
 -0.3 0.9%
+6.2% YoY
 1.3%
+11.4% YoY
 1.3%
-2.1% YoY
 37%
Loan To Share 96.5%
+2.0% YoY+2.3% QoQ
 +11.8% 84.8%
-0.8% YoY
 71.4%
-2.7% YoY
 67.4%
-1.7% YoY
 79%
AMR $37,790
+0.3% YoY+0.6% QoQ
 +$8K $29,428
+2.4% YoY
 $17,599
+2.5% YoY
 $19,687
+2.0% YoY
 Top 11.6% in tier
CD Concentration 16.6%
+49.0% YoY+7.6% QoQ
 -12.5% 29.0% 21.2% 19.8% Bottom 8.5% in tier
Indirect Auto % 0.0%
-81.9% YoY-44.9% QoQ
 -18.3% 18.3% 7.1% 7.8% Bottom 13.0% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Credit Quality Pressure

risk
#40 of 211 • Bottom 18.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.32% points
(Tier: 0.06% points, National: 0.06% points)
worse than tier avg
211 of 378 Mid-Market CUs have this signature | 969 nationally
↓ Shrinking -59 CUs YoY | Rank improving

Stagnation Risk

risk
#26 of 85 • Bottom 29.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -3.59%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -2.28%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
Delinquency Rate: 0.62%
(Tier: 0.89%, National: 1.28%)
but better than tier avg
85 of 378 Mid-Market CUs have this signature | 652 nationally
→ No prior data (85 CUs now) | New qualifier

Membership Headwinds

decline
#28 of 85 • Bottom 32.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -3.59%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
85 of 378 Mid-Market CUs have this signature | 652 nationally
→ No prior data (85 CUs now) | New qualifier

Efficiency Drag

risk
#41 of 90 • Bottom 44.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 103.30%
(Tier: 73.53%, National: 79.67%)
worse than tier avg
ROA Change (YoY): -0.68% points
(Tier: 0.12% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): -3.59%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
90 of 378 Mid-Market CUs have this signature | 633 nationally
↓ Shrinking -36 CUs YoY

Capital Constraint

risk
#5 of 7 • Bottom 66.7% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature
Loan-to-Share Ratio: 96.54%
(Tier: 85.73%, National: 67.44%)
but better than tier avg
Deposit Growth (YoY): -4.19%
(Tier: 6.71%, National: 13.79%)
worse than tier avg
Net Worth Ratio: 10.95%
(Tier: 11.27%, National: 14.49%)
worse than tier avg
7 of 378 Mid-Market CUs have this signature | 32 nationally
→ No prior data (7 CUs now) | New qualifier

Liquidity Strain

risk
#126 of 166 • Bottom 75.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 96.54%
(Tier: 85.73%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): -2.28%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
166 of 378 Mid-Market CUs have this signature | 439 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Institutional Decline

decline
#24 of 30 • Bottom 79.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $1.25B
(Tier: $2.17B, National: $561.61M)
worse than tier avg
Member Growth (YoY): -3.59%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -2.28%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
30 of 378 Mid-Market CUs have this signature | 277 nationally
→ No prior data (30 CUs now) | New qualifier

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)

Comparing against 302 peers in tier

Top Strengths (6 metrics)

24
Loan-to-Member Ratio (LMR)
engagement
Value: $18,562
Peer Median: -
#24 of 302 Top 7.6% in 1B-3B tier
28
Share Certificate Concentration (%)
balance_sheet
Value: 16.57%
Peer Median: -
#28 of 302 Top 8.9% in 1B-3B tier
30
Net Charge-Off Rate
risk
Value: 0.15%
Peer Median: -
#30 of 302 Top 9.6% in 1B-3B tier
35
Average Member Relationship (AMR)
engagement
Value: $37,790
Peer Median: -
#35 of 302 Top 11.3% in 1B-3B tier
46
Indirect Auto Concentration (%)
balance_sheet
Value: 0.04%
Peer Median: -
#46 of 302 Top 14.9% in 1B-3B tier
63
Loan-to-Share Ratio
balance_sheet
Value: 96.54%
Peer Median: -
#63 of 302 Top 20.5% in 1B-3B tier

Top Weaknesses (12 metrics)

300
Efficiency Ratio
profitability
Value: 103.30%
Peer Median: -
#300 of 302 Bottom 1.0% in 1B-3B tier
296
Members Per Employee (MPE)
engagement
Value: 219.106
Peer Median: -
#296 of 302 Bottom 2.3% in 1B-3B tier
294
First Mortgage Concentration (%)
balance_sheet
Value: 68.34%
Peer Median: -
#294 of 302 Bottom 3.0% in 1B-3B tier
293
Return on Assets (ROA)
profitability
Value: -0.13%
Peer Median: -
#293 of 302 Bottom 3.3% in 1B-3B tier
293
Total Members
engagement
Value: 47,765
Peer Median: -
#293 of 302 Bottom 3.3% in 1B-3B tier
291
Deposit Growth Rate
growth
Value: -4.19%
Peer Median: -
#291 of 302 Bottom 4.0% in 1B-3B tier
289
Asset Growth Rate
growth
Value: -4.34%
Peer Median: -
#289 of 302 Bottom 4.6% in 1B-3B tier
278
Net Interest Margin (NIM)
profitability
Value: 2.47%
Peer Median: -
#278 of 302 Bottom 8.3% in 1B-3B tier
277
Total Deposits
balance_sheet
Value: $918.41M
Peer Median: -
#277 of 302 Bottom 8.6% in 1B-3B tier
274
Member Growth Rate
growth
Value: -3.59%
Peer Median: -
#274 of 302 Bottom 9.6% in 1B-3B tier
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