State credit union · Austin, Texas · NCUA charter #68681
AMPLIFY
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $1.25B
- Total assets
- 47,765
- Members
- 10.7%
- Net-worth ratio
AMPLIFY scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.25B; members 47,765; net-worth ratio 10.70%; health rank #2,302 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,302 of 4,374 health · 2025Q4AMPLIFY · health 83/100 · $1.25B · 2025Q4
- DELQ 83/100
- ROA 10.7%
- ASSETS 0.62%
- MEM 0.58%
- RANK $1.25B
- PHOTO 47,765
- BOOK #2,302/4,374
- CHARTER Gulf Winds
- NCUSIF 68681
Call Report peers
AMPLIFY in the assets neighbourhood
AMPLIFY's $1.25B assets sit next to Gulf Winds ($1.25B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
AMPLIFY vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
AMPLIFY - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68681 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
AMPLIFY: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 96.54% vs peer 83.90% (+12.64 pp).
- Net Worth Ratio trails the peer set - 10.70% here, 11.18% peer average (-0.48 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
AMPLIFY: in-state Call Report ranks
- In Texas, health place is #210 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #29 of 386.
- Member book place in Texas: #50 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
AMPLIFY Call Report trajectory
AMPLIFY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $1.25B (2025Q4) to $1.27B (2026Q1).
- Net-worth ratio shifted -0.25 pp (10.95% → 10.70%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.70%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.8 pts
- Return on Assets 15.0 pts
- Member Growth 2.5 pts
- Loan-to-Share Ratio 11.7 pts
AMPLIFY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.70% | -0.48 pp |
| Delinquency Rate | 0.62% | -0.25 pp |
| Return on Assets | 0.58% | +0.07 pp |
| Member Growth | -3.59% | - |
| Loan-to-Share Ratio | 96.54% | +12.64 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
AMPLIFY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.27B | - |
| 2025Q4 | $1.25B | 47,765 |
| 2024Q4 | $1.31B | 49,542 |
| 2023Q4 | $1.42B | 51,990 |
Credit Union Details
- Charter Number
- 68681
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Austin
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, AMPLIFY runs 5 offices in 3 different cities.
| Office | City |
|---|---|
| Parmer HQ (Main Office) | Austin, TX |
| Esperanza | Austin, TX |
| Pond Springs | Austin, TX |
| Cedar Park | Cedar Park, TX |
| La Frontera | Round Rock, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Cross-state Call Report peers for AMPLIFY
Two NCUA Call Report peer sets for AMPLIFY, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.25B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- AMPLIFY ranks #2,302 of 4,374 nationally on financial health and #210 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Gulf Coast Educators is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Gulf Coast Educators
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is AMPLIFY financially healthy?
AMPLIFY scores 83/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,302 of 4,374; by total assets it ranks #387 of 4,374 nationally (same basis as /rankings/largest); and #29 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.70% net worth ratio and a 0.62% delinquency rate.
How does AMPLIFY compare to other credit unions?
PlainCU's health composite puts AMPLIFY at 83/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join AMPLIFY?
Membership eligibility for AMPLIFY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact AMPLIFY directly for current membership requirements and application steps.
Is my money safe at AMPLIFY?
Federal credit unions like AMPLIFY are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. AMPLIFY's net worth ratio of 10.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does AMPLIFY offer compared to banks?
Credit unions like AMPLIFY are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact AMPLIFY directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.