BlastPoint's Credit Union Scorecard
S R I EMPLOYEES
Charter #11123 · AL
S R I EMPLOYEES has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 7.3% YoY
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan Growth Rate: Top 1.1% in tier
- + Net Worth Ratio: Top 2.7% in tier
- + Member Growth Rate: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.37% below tier average
- - Efficiency ratio 1.17% above tier (higher cost structure)
- - Total Members: Bottom 3.8% in tier
- - First Mortgage Concentration (%): Bottom 4.0% in tier
- - Members Per Employee (MPE): Bottom 5.3% in tier
- - Total Loans: Bottom 9.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 52 that size in Alabama.
- Shares and deposits -6.4% year over year ($2.3M in shares and deposits).
- Membership: 177 members, +7.3% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.12%.
- Efficiency ratio 89.94% vs a 88.77% peer average.
- Loan-to-share ratio 32.96% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
177
+7.3% YoY+14.2% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
Bottom 3.7% in tier |
| Assets |
$3.7M
-3.7% YoY+1.6% QoQ
|
$-26.6M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.6% in tier |
| Loans |
$749,263
+48.0% YoY-4.0% QoQ
|
$-14.7M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.4% in tier |
| Deposits |
$2.3M
-6.4% YoY+2.3% QoQ
|
$-23.5M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.4% in tier |
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| ROA |
0.1%
-197.7% YoY
|
-1.4% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.9% in tier |
| NIM |
2.8%
-9.2% YoY+12.1% QoQ
|
-1.1% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 11.8% in tier |
| Efficiency Ratio |
89.9%
-12.0% YoY-11.0% QoQ
|
+1.2% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
33.0%
+58.1% YoY-6.2% QoQ
|
-25.9% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 14.2% in tier |
| AMR |
$17,076
-4.0% YoY-11.8% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
65% |
| CD Concentration |
24.6%
+18.2% YoY+4.2% QoQ
|
+0.0% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)