BlastPoint's Credit Union Scorecard
ALLIANCE
Charter #97103 · TX
ALLIANCE has 8 strengths but faces 5 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
- + Organic Growth Engine: Top 1.3% in tier
- + Wallet Share Momentum: Top 18.7% in tier
- + Emerging Performer: Top 43.1% in tier
- + Net Interest Margin 0.29% above tier average
- + Strong member growth: 55.4% YoY
- + Asset Growth Rate: Top 0.3% in tier
- + Loan Growth Rate: Top 0.3% in tier
- + Deposit Growth Rate: Top 0.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 36.8% in tier
- - Margin Compression: Bottom 43.1% in tier
- - Efficiency ratio 1.96% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 4.6% in tier
- - Total Assets: Bottom 9.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83,777
+55.4% YoY+46.8% QoQ
|
-12.3K |
96,048
-2.7% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
47% |
| Assets |
$1.1B
+71.1% YoY+60.9% QoQ
|
$-626.5M |
$1.7B
+0.4% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.2% in tier |
| Loans |
$868.0M
+58.6% YoY+51.9% QoQ
|
$-345.7M |
$1.2B
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
23% |
| Deposits |
$958.7M
+73.9% YoY+63.2% QoQ
|
$-506.9M |
$1.5B
+0.5% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.8% in tier |
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| ROA |
0.8%
-14.6% YoY-18.3% QoQ
|
+0.0% |
0.7%
+27.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
58% |
| NIM |
3.6%
-3.3% YoY-7.2% QoQ
|
+0.3% |
3.4%
+6.2% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
69% |
| Efficiency Ratio |
76.6%
+2.7% YoY+3.4% QoQ
|
+2.0% |
74.6%
-3.0% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
56% |
| Delinquency Rate |
0.8%
-14.7% YoY-18.7% QoQ
|
+0.0 |
0.8%
+6.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
65% |
| Loan To Share |
90.5%
-8.8% YoY-6.9% QoQ
|
+7.4% |
83.2%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
67% |
| AMR |
$21,805
+7.0% YoY+7.4% QoQ
|
$-8K |
$29,652
+2.3% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.4% in tier |
| CD Concentration |
44.7%
-16.9% YoY-12.1% QoQ
|
+15.8% | 28.8% | 21.3% | 19.8% | Top 5.5% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 6.9% | 7.7% | Top 11.5% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)