BlastPoint's Credit Union Scorecard
S R I EMPLOYEES
Charter #11123 · AL
S R I EMPLOYEES has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.9% in tier
- + AMR Growth Rate: Top 2.2% in tier
- + Net Worth Ratio: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Efficiency ratio 14.52% above tier (higher cost structure)
- - Member decline: -13.5% YoY
- - Member Growth Rate: Bottom 3.2% in tier
- - Total Members: Bottom 3.4% in tier
- - First Mortgage Concentration (%): Bottom 4.7% in tier
- - Members Per Employee (MPE): Bottom 5.0% in tier
- - Total Loans: Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
160
-13.5% YoY-1.8% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 3.3% in tier |
| Assets |
$3.7M
-2.7% YoY+0.6% QoQ
|
$-26.4M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
15% |
| Loans |
$819,896
+46.1% YoY+20.8% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.7% in tier |
| Deposits |
$2.3M
-4.6% YoY+0.5% QoQ
|
$-23.4M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.8% in tier |
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| ROA |
0.1%
-116.9% YoY-171.7% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
3.0%
+36.5% YoY+4.8% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
97.1%
-22.9% YoY-5.7% QoQ
|
+14.5% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
Top 14.6% in tier |
| Delinquency Rate | 0.4% | -1.1 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
35.3%
+53.1% YoY+20.2% QoQ
|
-25.3% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.9% in tier |
| AMR |
$19,632
+21.3% YoY+7.1% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
21.4%
+11.3% YoY+0.1% QoQ
|
-3.0% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 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)