# AMPLIFY
Austin, TX · NCUA charter 18304 · asset band $500M-1B · latest filing 2016-12 · stopped filing after 2016-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/amplify-18304

Who the members are: federal charter, community charter, organized 1967. 59,545 members of 1,000,000 potential (6.0% of the field); checking penetration 110% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $850.6M |
| Members | 59,545 (– YoY) |
| Full-time staff | 189 |
| Net worth | $77.0M |
| Net worth ratio | 9.1% (p23 of band) |
| ROA (annualized) | 0.71% (p61 of band) |
| Total delinquency | 0.35% (p18 of band) |
| Net charge-offs (annualized) | 0.33% (p42 of band) |
| Loans / shares | 98% (p84 of band) |
| Cash / assets | 5.9% |
| Borrowings / assets | 8.99% |
| Net interest margin | 3.42% (p83 of band) |
| Operating expense / assets | 3.53% (p57 of band) |
| Vehicles % of loans | 41% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 82% |
| Third-party paper % of net worth | 298% (p82 of band) |
| Vehicle delinquency | 0.60% (p59 of band) |
| Vehicle NCO | 0.57% (p54 of band) |
| Repossessed % of vehicle book | 0.33% (p94 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 12% |
| Average share balance | $6,785 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $24,671 |
| Loans granted, annualized | $378.9M |

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-16 [Amplify Credit Union to open new branch near Tech Ridge - Community Impact](https://news.google.com/rss/articles/CBMirwFBVV95cUxQUWIwdDhudVdBNVo2aS0xRUZMUE13cF9sV3dTMzJQV1Z4UWVjVFNORlhKTTNkeTdPZmlYMWZBQ3FRTzYyNGozMzA2cUdnZjRRZ1ZpQzI3bXdJT1NGeWJuR3lmRmVucUN2S0F0SUUxT2hNRXRleVpGZFhOcVdKdGlUSHFJLUVJNFZZOFlPSWNoTUdXOWNYUERBT2ZXc3pwUThVc19KNjRJQ0J6V19Db1Bj?oc=5) · Community Impact
- 2020-11-10 [David Thibodeaux – Amplify Credit Union - Blueprint Magazine](https://news.google.com/rss/articles/CBMif0FVX3lxTFBBUnczTHEwUkxfQzIxa0VRWkx3WDg4NUc4cTRvb3ZJbi1lSC1mMzBnOVRiRmZiRzk4TnpxN1RycFk1TXhTT2tzWk1jaXViamdPUDZuNTdSU3JBYXNuZ2NfeEtKUWhPOXR3QzlYSGJsVjdsME01ODVtbmhPNG0zcXc?oc=5) · Blueprint Magazine
- 2019-04-11 [Amplify Credit Unions adds Charlotte Morrison as Chief Information Officer - CUInsight](https://news.google.com/rss/articles/CBMitgFBVV95cUxQVThjc1ZibUFmd3JzQ3ZOeXAyaXhrbk1TTmVlVWJpU0tFWGRYcFVRY1RPbnIxR3lYYl9lVEJzeEFpYTFGb2M0dWl2RDNxWDlzaUxEanB1UlNTcWd2c3REZnF0clBMLWxvdzJLanhXUXJvNGxjSUxNNWVKZG03YlFsbl90QWo4bmxnQW9YRm8tRGUya2p4VG91eVVDd2xHWGV0OVo5UjFWVm1fNG5KMi12WGRGUU8yQQ?oc=5) · CUInsight
- 2024-01-11 [CUREN Marking Its 25th Anniversary in 2024 - cutoday.info](https://news.google.com/rss/articles/CBMihgFBVV95cUxQY0lWSGI5WC0xRnVVNmhSYUdyWEJ1bGVZZEFJS2tFQVRKNGI1SWFkVDJSaTV3NUlKY3FKWlNLZFdQNjFUYWVLZzI4T1RSVUdJY014Q0MyTjYyeHNmTTNIQ0NvMTRxX290X1RiS2UwNGtmZ3JsWGl3NzdHS2V2OGw5Umk1Z1dEUQ?oc=5) · cutoday.info
- 2024-11-22 [2024 Top Employers For Women - National Mortgage Professional](https://news.google.com/rss/articles/CBMiekFVX3lxTE5MdWp6bFpsRjFjR1J3dGxnbkZhX3Q1YVYtTWNQamthQ19iU3hET3ViUGdKd0dHUFBZLVJlTVFVcFg4LWJITFJvbU9JQ0RiQmlhdmxxeHJ4Q0Rfd0wtY0RCb0FNSEZNQmNTU0FJaGx2RDcySHNsZ2tmdm5n?oc=5) · National Mortgage Professional
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Texas - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNcjBZanBlODQ3dWF6andRNFV2bi1qUU5UV3lGVXpKNU5iVFQ1S0dvbzRLQlJIQzJ4S3Rsa0pNMjJsbTBkNG1ZR1Y1S2JOOVVlckdsaTlCY1dsR0I3WDQyalF0VllMTm5WdFNxTGlmbkFyNHA3WlduNUl5elFrR2l0Z2JPb1ZuQmJnSkNR?oc=5) · Newsweek Rankings
- 2025-03-28 [Panel of Experts: Passing the torch - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxNTHk1NTNrdzJNWDNjZkhUR1RWWTZtenE4d2VpUkRJMWFKSDdjRER0SXhDLTM3dW5VdGotYmRhZm54anVWdmlWNURsVkRjelVSMGoxYXFyR3o5WVlQZ1M0NFB4R3l4U2pZbkZGbUs1SGpVd0J0NGJwVml6YTlIbDJ3MXVfaTRVbHhvZjNfMV9yQ2NHMVdR?oc=5) · The Business Journals
- 2023-10-19 [Take a look at a new 28-unit tiny home community near Austin where rent for a 2-bedroom is $1,375 a month - Business Insider](https://news.google.com/rss/articles/CBMijAFBVV95cUxNUEFCbXZJMi05VlFPVUJtVWNraWdKSnI4c2hLR0xkeWRVZG00OFk1M3dYU0FNdVFYaDFha1FQRE5KV3JrcGVPZU1YSHVUNGRFNVpQcy1wUFp6cVhfTnhfbWJhUHpGUmJmYzc2ZFVGZk1Sam10Wm51Ty1EaUtrLTRrNVlBMlNEVXZKbi13Uw?oc=5) · Business Insider

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18304 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/0.json (key "18304", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=18304
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide