AMPLIFY

Charter #68681 | TX

1B-3B (304 CUs) Mid-Market (380 CUs)
26 1B-3B in TX

AMPLIFY has 3 strengths but faces 20 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Share Certificate Concentration (%): Top 6.9% in tier
  • + Loan-to-Member Ratio (LMR): Top 8.6% in tier
  • + Net Charge-Off Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Institutional Decline: Bottom 10.8% in tier
  • - Efficiency Drag: Bottom 11.8% in tier
  • - Membership Headwinds: Bottom 12.5% in tier
  • - Credit Quality Pressure: Bottom 13.7% in tier
  • - Accelerating Exit Risk: Bottom 18.2% in tier
  • - Shrinking Wallet Share: Bottom 19.8% in tier
  • - Stagnation Risk: Bottom 20.1% in tier
  • - Capital Constraint: Bottom 24.2% in tier
  • - Liquidity Strain: Bottom 30.3% in tier
  • - ROA 0.83% below tier average
  • - Efficiency ratio 29.70% above tier (higher cost structure)
  • - Member decline: -3.7% YoY
  • - Members Per Employee (MPE): Bottom 2.3% in tier
  • - First Mortgage Concentration (%): Bottom 2.6% in tier
  • - Total Members: Bottom 3.6% in tier
  • - Loan Growth Rate: Bottom 4.3% in tier
  • - Deposit Growth Rate: Bottom 5.3% in tier
  • - Asset Growth Rate: Bottom 6.9% in tier
  • - Net Interest Margin (NIM): Bottom 7.9% in tier
  • - Total Deposits: Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 47,637
-3.7% YoY+0.6% QoQ
 -51.0K 98,678
-1.9% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Bottom 3.3% in tier
Assets $1.3B
-3.8% YoY+1.3% QoQ
 $-448.2M $1.7B
+0.5% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 28th in tier
Loans $868.7M
-7.8% YoY-1.3% QoQ
 $-364.3M $1.2B
+0.5% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 22.0% in tier
Deposits $920.2M
-3.4% YoY+0.8% QoQ
 $-534.2M $1.5B
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Bottom 9.5% in tier
ROA -0.1%
-121.5% YoY-40.3% QoQ
 -0.8% 0.7%
+13.4% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Bottom 2.0% in tier
NIM 2.4%
-2.9% YoY+2.2% QoQ
 -0.8% 3.3%
+9.3% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Bottom 7.6% in tier
Efficiency Ratio 103.7%
+24.7% YoY-3.0% QoQ
 +29.7% 74.0%
-10.9% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Top 0.3% in tier
Delinquency Rate 0.4%
+46.6% YoY-32.8% QoQ
 -0.4 0.8%
+6.1% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Bottom 23.0% in tier
Loan To Share 94.4%
-4.5% YoY-2.0% QoQ
 +9.2% 85.2%
-0.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 72nd in tier
AMR $37,553
-1.9% YoY-0.8% QoQ
 +$8K $29,172
+2.8% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Top 11.8% in tier
CD Concentration 15.4%
+45.4% YoY+6.5% QoQ
 -13.6% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 Bottom 6.6% in tier
Indirect Auto % 0.1%
-76.6% YoY-42.7% QoQ
 -18.7% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Bottom 12.9% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (9)

Institutional Decline

decline
#12 of 31 • Bottom 10.8% in tier

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

Why This Signature
Total Assets: $1.27B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
Member Growth (YoY): -3.68%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -7.76%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
31 of 380 Mid-Market CUs have this signature | 293 nationally
↓ Shrinking -6 CUs YoY | Rank worsening

Efficiency Drag

risk
#40 of 96 • Bottom 11.8% in tier

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

Why This Signature
Efficiency Ratio: 103.68%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.73% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -3.68%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Membership Headwinds

decline
#31 of 85 • Bottom 12.5% in tier

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

Why This Signature
Member Growth (YoY): -3.68%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#106 of 217 • Bottom 13.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.13% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | New qualifier

Accelerating Exit Risk

decline
#9 of 13 • Bottom 18.2% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -3.68%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -1.94%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
13 of 380 Mid-Market CUs have this signature | 73 nationally
↓ Shrinking -8 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#61 of 83 • Bottom 19.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.94%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank worsening

Stagnation Risk

risk
#49 of 85 • Bottom 20.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -0.13%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -3.68%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $37.6K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 15.40%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | Rank worsening

Capital Constraint

risk
#9 of 9 • Bottom 24.2% 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: 94.41%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -3.37%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 10.82%
(Tier: 11.30%, National: 14.51%)
worse than tier avg
9 of 380 Mid-Market CUs have this signature | 29 nationally
↓ Shrinking -9 CUs YoY | New qualifier

Liquidity Strain

risk
#160 of 183 • Bottom 30.3% in tier

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

Why This Signature
Loan-to-Share Ratio: 94.41%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -7.76%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

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 304 peers in tier

Top Strengths (6 metrics)

22
Share Certificate Concentration (%)
balance_sheet
Value: 15.40%
Peer Avg: 28.53%
#22 of 304 Top 6.9% in 1B-3B tier
27
Loan-to-Member Ratio (LMR)
engagement
Value: $18,237
Peer Avg: $13,213
#27 of 304 Top 8.6% in 1B-3B tier
30
Net Charge-Off Rate
risk
Value: 0.15%
Peer Avg: 0.60%
#30 of 304 Top 9.5% in 1B-3B tier
36
Average Member Relationship (AMR)
engagement
Value: $37,553
Peer Avg: $29,172
#36 of 304 Top 11.5% in 1B-3B tier
45
Indirect Auto Concentration (%)
balance_sheet
Value: 0.06%
Peer Avg: 18.32%
#45 of 304 Top 14.5% in 1B-3B tier
71
Total Delinquency Rate (60+ days)
risk
Value: 0.42%
Peer Avg: 0.83%
#71 of 304 Top 23.0% in 1B-3B tier

Top Weaknesses (13 metrics)

304
Efficiency Ratio
profitability
Value: 103.68%
Peer Avg: 73.97%
#304 of 304 Bottom 0.3% in 1B-3B tier
298
Return on Assets (ROA)
profitability
Value: -0.13%
Peer Avg: 0.70%
#298 of 304 Bottom 2.3% in 1B-3B tier
298
Members Per Employee (MPE)
engagement
Value: 224.703
Peer Avg: 364.953
#298 of 304 Bottom 2.3% in 1B-3B tier
297
First Mortgage Concentration (%)
balance_sheet
Value: 69.57%
Peer Avg: 34.01%
#297 of 304 Bottom 2.6% in 1B-3B tier
294
Total Members
engagement
Value: 47,637
Peer Avg: 98,678
#294 of 304 Bottom 3.6% in 1B-3B tier
292
Loan Growth Rate
growth
Value: -7.76%
Peer Avg: 5.27%
#292 of 304 Bottom 4.3% in 1B-3B tier
289
Deposit Growth Rate
growth
Value: -3.37%
Peer Avg: 5.58%
#289 of 304 Bottom 5.3% in 1B-3B tier
284
Asset Growth Rate
growth
Value: -3.79%
Peer Avg: 4.83%
#284 of 304 Bottom 6.9% in 1B-3B tier
281
Net Interest Margin (NIM)
profitability
Value: 2.44%
Peer Avg: 3.26%
#281 of 304 Bottom 7.9% in 1B-3B tier
275
Total Deposits
balance_sheet
Value: $920.16M
Peer Avg: $1.45B
#275 of 304 Bottom 9.9% in 1B-3B tier