BlastPoint's Credit Union Scorecard

AMPLIFY

Charter #68681 · TX

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 28 in TX

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AMPLIFY has 4 strengths but faces 8 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

+ Relationship Depth Leader: Top 48.7% in tier
+ Net Charge-Off Rate: Top 5.9% in tier
+ Loan-to-Member Ratio (LMR): Top 7.2% in tier
+ Share Certificate Concentration (%): Top 8.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 0.8% in tier
- Liquidity Strain: Bottom 23.2% in tier
- Credit Quality Pressure: Bottom 25.3% in tier
- Membership Headwinds: Bottom 91.6% in tier
- Stagnation Risk: Bottom 91.6% in tier
- ROA 1.01% below tier average
- Efficiency ratio 33.77% above tier (higher cost structure)
- Member decline: -3.7% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	47,585 -3.7% YoY-0.4% QoQ	-48.5K	96,048 -2.7% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Bottom 3.9% in tier
Assets	$1.3B -0.8% YoY+1.6% QoQ	$-446.8M	$1.7B +0.4% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	27%
Loans	$890.6M -0.1% YoY+0.4% QoQ	$-323.2M	$1.2B +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	27%
Deposits	$940.8M -0.9% YoY+2.4% QoQ	$-524.8M	$1.5B +0.5% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Bottom 10.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.3% +83.2% YoY+128.7% QoQ	-1.0%	0.7% +27.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 1.0% in tier
NIM	2.5% +10.0% YoY+2.3% QoQ	-0.8%	3.4% +6.2% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Bottom 7.2% in tier
Efficiency Ratio	108.4% +1.7% YoY+4.9% QoQ	+33.8%	74.6% -3.0% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Bottom 0.3% in tier
Delinquency Rate	0.4% +51.7% YoY-31.2% QoQ	-0.3	0.8% +6.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	28%
Loan To Share	94.7% +0.8% YoY-1.9% QoQ	+11.5%	83.2% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	79%
AMR	$38,485 +3.2% YoY+1.8% QoQ	+$9K	$29,652 +2.3% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	Top 11.4% in tier
CD Concentration	16.9% +34.5% YoY+2.0% QoQ	-11.9%	28.8%	21.3%	19.8%	Bottom 7.8% in tier
Indirect Auto %	0.0% -85.9% YoY	-18.1%	18.1%	6.9%	7.7%	Top 12.3% in tier

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#52 of 64 • Top 48.7% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.22%

(Tier: 3.34%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $5.4K

(Tier: $3.3K, National: $2.1K)

better than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | New qualifier

Concerns (5)

Efficiency Drag

risk

#14 of 100 • Bottom 0.8% in tier

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

Why This Signature

Efficiency Ratio: 108.40%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.13% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -3.65%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank improving

Membership Headwinds

decline

#33 of 91 • Bottom 91.6% in tier

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

Why This Signature

Member Growth (YoY): -3.65%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Stagnation Risk

risk

#38 of 91 • Bottom 91.6% 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): -3.65%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.14%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.43%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Credit Quality Pressure

risk

#96 of 225 • Bottom 25.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Liquidity Strain

risk

#116 of 148 • Bottom 23.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.66%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -0.14%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (6 metrics)

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: 0.51%

#19 of 306 Top 5.9% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,715

Peer Median: $12,733

#23 of 306 Top 7.2% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 16.90%

Peer Median: 27.93%

#27 of 306 Top 8.5% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $38,485

Peer Median: $28,178

#35 of 306 Top 11.1% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.02%

Peer Median: 13.86%

#42 of 306 Top 13.4% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 94.66%

Peer Median: 85.31%

#63 of 306 Top 20.3% in 1B-3B tier

Top Weaknesses (11 metrics)

306

Efficiency Ratio

profitability

Value: 108.40%

Peer Median: 75.16%

#306 of 306 Bottom 0.3% in 1B-3B tier

303

Return on Assets (ROA)

profitability

Value: -0.29%

Peer Median: 0.66%

#303 of 306 Bottom 1.3% in 1B-3B tier

298

First Mortgage Concentration (%)

balance_sheet

Value: 68.21%

Peer Median: 33.05%

#298 of 306 Bottom 2.9% in 1B-3B tier

297

Members Per Employee (MPE)

engagement

Value: 224.458

Peer Median: 345.077

#297 of 306 Bottom 3.3% in 1B-3B tier

294

Total Members

engagement

Value: 47,585

Peer Median: 85,918

#294 of 306 Bottom 4.2% in 1B-3B tier

284

Net Interest Margin (NIM)

profitability

Value: 2.52%

Peer Median: 3.37%

#284 of 306 Bottom 7.5% in 1B-3B tier

278

Member Growth Rate

growth

Value: -3.65%

Peer Median: 2.03%

#278 of 306 Bottom 9.5% in 1B-3B tier

278

Deposit Growth Rate

growth

Value: -0.94%

Peer Median: 4.44%

#278 of 306 Bottom 9.5% in 1B-3B tier

275

Total Deposits

balance_sheet

Value: $940.77M

Peer Median: $1.31B

#275 of 306 Bottom 10.5% in 1B-3B tier

273

Asset Growth Rate

growth

Value: -0.82%

Peer Median: 4.82%

#273 of 306 Bottom 11.1% in 1B-3B tier