BlastPoint's Credit Union Scorecard
S R I EMPLOYEES
Charter #11123 · AL
<100M
2508 CUs in <100M nationally
53 in AL
S R I EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan Growth Rate: Top 1.0% in tier
- + Net Worth Ratio: Top 2.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Efficiency ratio 10.42% above tier (higher cost structure)
- - Member decline: -6.1% YoY
- - Total Members: Bottom 3.2% in tier
- - First Mortgage Concentration (%): Bottom 4.2% in tier
- - Members Per Employee (MPE): Bottom 4.8% in tier
- - Fee Income Per Member: Bottom 6.8% in tier
- - Net Interest Margin (NIM): Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
155
-6.1% YoY-3.1% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
Bottom 3.2% in tier |
| Assets |
$3.6M
-5.3% YoY-2.7% QoQ
|
$-26.6M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.6% in tier |
| Loans |
$780,513
+45.5% YoY-4.8% QoQ
|
$-14.5M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.6% in tier |
| Deposits |
$2.2M
-9.1% YoY-4.3% QoQ
|
$-23.6M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.2% in tier |
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| ROA |
-0.0%
-97.2% YoY-129.4% QoQ
|
-0.2% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
21% |
| NIM |
2.5%
-19.0% YoY-17.6% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.5% in tier |
| Efficiency Ratio |
101.0%
-20.2% YoY+4.1% QoQ
|
+10.4% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.8% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
35.1%
+60.1% YoY-0.5% QoQ
|
-23.4% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
16% |
| AMR |
$19,367
+7.2% YoY-1.3% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
75% |
| CD Concentration |
23.6%
+16.9% YoY+10.4% QoQ
|
-0.7% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
27
Loan Growth Rate
growth
Value:
45.52%
Peer Median: -2.36%
#27 of 2508
Top 1.0% in <100M tier
63
Net Worth Ratio
risk
Value:
38.55%
Peer Median: 14.28%
#63 of 2508
Top 2.5% in <100M tier
408
AMR Growth Rate
growth
Value:
7.22%
Peer Median: 1.27%
#408 of 2508
Top 16.2% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
620
Average Member Relationship (AMR)
engagement
Value:
$19,367
Peer Median: $13,926
#620 of 2508
Top 24.7% in <100M tier
Top Weaknesses (14 metrics)
2428
Total Members
engagement
Value:
155
Peer Median: 1,918
#2428 of 2508
Bottom 3.2% in <100M tier
2404
First Mortgage Concentration (%)
balance_sheet
Value:
59.67%
Peer Median: 3.66%
#2404 of 2508
Bottom 4.2% in <100M tier
2388
Members Per Employee (MPE)
engagement
Value:
77.500
Peer Median: 333.750
#2388 of 2508
Bottom 4.8% in <100M tier
2338
Fee Income Per Member
profitability
Value:
$0.52
Peer Median: $60.42
#2338 of 2508
Bottom 6.8% in <100M tier
2320
Net Interest Margin (NIM)
profitability
Value:
2.47%
Peer Median: 3.83%
#2320 of 2508
Bottom 7.5% in <100M tier
2316
Deposit Growth Rate
growth
Value:
-9.11%
Peer Median: 0.66%
#2316 of 2508
Bottom 7.7% in <100M tier
2266
Total Loans
balance_sheet
Value:
$780,513
Peer Median: $9.48M
#2266 of 2508
Bottom 9.7% in <100M tier
2203
Total Deposits
balance_sheet
Value:
$2.22M
Peer Median: $18.77M
#2203 of 2508
Bottom 12.2% in <100M tier
2182
Asset Growth Rate
growth
Value:
-5.32%
Peer Median: 1.30%
#2182 of 2508
Bottom 13.0% in <100M tier
2179
Member Growth Rate
growth
Value:
-6.06%
Peer Median: -1.37%
#2179 of 2508
Bottom 13.2% in <100M tier