BlastPoint's Credit Union Scorecard
AMPLIFY
Charter #68681 · TX
AMPLIFY has 7 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 24.2% in tier
- + Wallet Share Momentum: Top 24.2% in tier
- + Net Charge-Off Rate: Top 4.7% in tier
- + Loan-to-Member Ratio (LMR): Top 5.0% in tier
- + Loan-to-Share Ratio: Top 8.7% in tier
- + Average Member Relationship (AMR): Top 9.3% in tier
- + Share Certificate Concentration (%): Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1.3% in tier
- - Liquidity Strain: Bottom 10.4% in tier
- - Credit Quality Pressure: Bottom 37.6% in tier
- - Credit Risk Growth: Bottom 47.6% in tier
- - Membership Headwinds: Bottom 91.4% in tier
- - Stagnation Risk: Bottom 91.4% in tier
- - ROA 0.73% below tier average
- - Efficiency ratio 27.01% above tier (higher cost structure)
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
- Shares and deposits -0.1% year over year ($913M in shares and deposits).
- Membership: 45,844 members, -3.2% vs a year ago.
- Delinquency rate 0.70%.
- Return on assets 0.08%.
- Efficiency ratio 100.03% vs a 73.02% peer average.
- Loan-to-share ratio 102.33% vs a 84.71% 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 |
45,844
-3.2% YoY-3.7% QoQ
|
-51.0K |
96,861
-1.9% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Bottom 3.3% in tier |
| Assets |
$1.3B
+0.4% YoY-1.0% QoQ
|
$-464.2M |
$1.7B
+0.4% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$933.9M
+6.1% YoY+4.9% QoQ
|
$-300.3M |
$1.2B
+0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
30% |
| Deposits |
$912.7M
-0.1% YoY-3.0% QoQ
|
$-550.7M |
$1.5B
+0.5% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.3% in tier |
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| ROA |
0.1%
-138.8% YoY-129.1% QoQ
|
-0.7% |
0.8%
+27.6% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.0% in tier |
| NIM |
2.6%
+9.6% YoY+3.5% QoQ
|
-0.8% |
3.4%
+6.6% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 7.7% in tier |
| Efficiency Ratio |
100.0%
-6.4% YoY-7.7% QoQ
|
+27.0% |
73.0%
-2.7% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate |
0.7%
+13.9% YoY+64.7% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
51% |
| Loan To Share |
102.3%
+6.2% YoY+8.1% QoQ
|
+17.6% |
84.7%
+0.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 9.0% in tier |
| AMR |
$40,281
+6.4% YoY+4.7% QoQ
|
+$11K |
$29,575
+1.5% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 9.7% in tier |
| CD Concentration |
18.0%
+24.8% YoY+6.8% QoQ
|
-11.0% | 29.1% | 21.6% | 20.0% | Bottom 9.3% in tier |
| Indirect Auto % |
0.0%
-91.2% YoY
|
-18.1% | 18.1% | 6.9% | 7.7% | Top 11.7% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)