BlastPoint's Credit Union Scorecard
ALLIANCE
Charter #97103 · TX
ALLIANCE has 9 strengths but faces 4 concerns
How does the industry compare?
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 2.2% in tier
- + Organic Growth Leader: Top 2.9% in tier
- + ROA 0.31% above tier average
- + Net Interest Margin 0.51% above tier average
- + Strong member growth: 8.5% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 3.6% in tier
- + Member Growth Rate: Top 7.7% in tier
- + Total Members: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 11.0% in tier
- - Shrinking Wallet Share: Bottom 21.8% in tier
- - Delinquency rate 0.13% above tier average
- - Share Certificate Concentration (%): Bottom 1.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
55,808
+8.5% YoY+2.6% QoQ
|
+16.1K |
39,752
-2.7% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 8.3% in tier |
| Assets |
$656.2M
+7.0% YoY+1.3% QoQ
|
+$33.9M |
$622.4M
+0.3% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
65% |
| Loans |
$554.5M
+8.0% YoY+0.3% QoQ
|
+$118.5M |
$435.9M
-0.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 11.2% in tier |
| Deposits |
$575.4M
+7.1% YoY+6.1% QoQ
|
+$37.4M |
$538.0M
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
72% |
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| ROA |
1.0%
-1.1% YoY-1.0% QoQ
|
+0.3% |
0.7%
+33.9% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
76% |
| NIM |
3.9%
+11.1% YoY+2.2% QoQ
|
+0.5% |
3.4%
+8.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
85% |
| Efficiency Ratio |
73.3%
-3.8% YoY+1.4% QoQ
|
-4.8% |
78.1%
-3.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
27% |
| Delinquency Rate |
0.9%
-2.6% YoY+23.4% QoQ
|
+0.1 |
0.8%
-4.9% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
96.4%
+0.8% YoY-5.5% QoQ
|
+15.3% |
81.0%
-1.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 14.2% in tier |
| AMR |
$20,246
-0.9% YoY+0.6% QoQ
|
$-6K |
$26,482
+2.6% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
52.2%
-2.1% YoY-1.5% QoQ
|
+27.8% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
Top 0.9% in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)