BlastPoint's Credit Union Scorecard
ALLIANCE
Charter #97103 · TX
ALLIANCE has 11 strengths but faces 6 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 Leader: Top 8.7% in tier
- + Organic Growth Engine: Top 10.4% in tier
- + ROA 0.27% above tier average
- + Net Interest Margin 0.48% above tier average
- + Strong member growth: 8.5% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 3.6% in tier
- + Fee Income Per Member: Top 4.2% in tier
- + Member Growth Rate: Top 4.8% in tier
- + Total Loans: Top 5.5% in tier
- + Loan-to-Share Ratio: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 30.0% in tier
- - Credit Risk Growth: Bottom 77.4% in tier
- - Credit Quality Pressure: Bottom 85.5% in tier
- - Shrinking Wallet Share: Bottom 98.5% in tier
- - Delinquency rate 0.11% above tier average
- - Share Certificate Concentration (%): Bottom 0.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
57,077
+8.5% YoY+2.3% QoQ
|
+18.5K |
38,575
-4.8% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 4.2% in tier |
| Assets |
$679.6M
+9.3% YoY+3.6% QoQ
|
+$57.9M |
$621.7M
+0.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
73% |
| Loans |
$571.6M
+6.7% YoY+3.1% QoQ
|
+$141.8M |
$429.8M
-1.8% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 6.1% in tier |
| Deposits |
$587.5M
+9.1% YoY+2.1% QoQ
|
+$48.8M |
$538.7M
+0.6% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
0.9%
+1.0% YoY-4.7% QoQ
|
+0.3% |
0.7%
+42.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
3.9%
+10.4% YoY-0.4% QoQ
|
+0.5% |
3.4%
+8.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
74.1%
-1.6% YoY+1.1% QoQ
|
-3.4% |
77.5%
-4.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
1.0%
+5.1% YoY+2.8% QoQ
|
+0.1 |
0.8%
-1.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
97.3%
-2.2% YoY+1.0% QoQ
|
+17.5% |
79.8%
-2.3% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 8.5% in tier |
| AMR |
$20,308
-0.6% YoY+0.3% QoQ
|
$-7K |
$26,849
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
15% |
| CD Concentration |
50.8%
-6.0% YoY-2.6% QoQ
|
+26.4% | 24.4% | 21.2% | 19.8% | Top 1.2% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)