BlastPoint's Credit Union Scorecard

ALCOA COMMUNITY

Charter #11913 · AR

2556 CUs in <100M nationally 43 in AR

ALCOA COMMUNITY has 3 strengths but faces 3 concerns

National Analysis

How does the industry compare?

AR Analysis

How does AR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.18% above tier average
+ Total Loans: Top 4.0% in tier
+ Total Members: Top 8.9% in tier

Key Concerns

Areas that may need attention

- ROA 0.37% below tier average
- Efficiency ratio 11.99% above tier (higher cost structure)
- Net Worth Ratio: Bottom 3.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Members	6,035 +2.5% YoY-0.7% QoQ	+3.4K	2,615 -1.9% YoY	7,878 +8.0% YoY	33,374 +5.7% YoY	Top 8.9% in tier
Assets	$68.8M +2.5% YoY-0.4% QoQ	+$38.7M	$30.1M +2.1% YoY	$108.7M +13.0% YoY	$561.6M +9.7% YoY	Top 13.1% in tier
Loans	$53.2M +4.3% YoY-4.1% QoQ	+$37.4M	$15.8M -1.3% YoY	$78.6M +14.7% YoY	$397.0M +8.8% YoY	Top 4.0% in tier
Deposits	$62.7M +2.8% YoY-0.1% QoQ	+$37.0M	$25.7M +1.4% YoY	$88.8M +14.2% YoY	$477.3M +9.7% YoY	Top 10.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% +661.2% YoY+25.4% QoQ	-0.4%	0.6% +10.8% YoY	-0.1% -109.5% YoY	0.7% +15.9% YoY	28%
NIM	4.1% +15.1% YoY+2.2% QoQ	+0.2%	4.0% +4.0% YoY	4.2% +0.9% YoY	3.8% +5.1% YoY	60%
Efficiency Ratio	94.6% -4.1% YoY-1.1% QoQ	+12.0%	82.6% -2.3% YoY	86.1% +2.0% YoY	79.7% -3.3% YoY	82%
Delinquency Rate	0.4% +57.2% YoY+6.4% QoQ	-1.1	1.6% -3.1% YoY	1.8% +15.7% YoY	1.3% -2.1% YoY	38%
Loan To Share	84.8% +1.4% YoY-4.0% QoQ	+24.2%	60.6% -3.1% YoY	73.6% -2.9% YoY	67.4% -1.7% YoY	84%
AMR	$19,210 +0.9% YoY-1.3% QoQ	+$4K	$14,783 -1.4% YoY	$12,676 +2.7% YoY	$19,687 +2.0% YoY	76%
CD Concentration	18.8% +9.3% YoY-3.1% QoQ	-5.6%	24.4%	15.6%	19.8%	50%
Indirect Auto %	5.2% -38.1% YoY-8.2% QoQ	-8.6%	13.8%	2.5%	7.8%	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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (10 metrics)

103

Total Loans

balance_sheet

Value: $53.21M

Peer Median: -

#103 of 2556 Top 4.0% in <100M tier

228

Total Members

engagement

Value: 6,035

Peer Median: -

#228 of 2556 Top 8.9% in <100M tier

275

Total Deposits

balance_sheet

Value: $62.72M

Peer Median: -

#275 of 2556 Top 10.7% in <100M tier

323

Member Growth Rate

growth

Value: 2.55%

Peer Median: -

#323 of 2556 Top 12.6% in <100M tier

334

Total Assets

balance_sheet

Value: $68.85M

Peer Median: -

#334 of 2556 Top 13.0% in <100M tier

337

Loan-to-Member Ratio (LMR)

engagement

Value: $8,817

Peer Median: -

#337 of 2556 Top 13.1% in <100M tier

393

Loan-to-Share Ratio

balance_sheet

Value: 84.84%

Peer Median: -

#393 of 2556 Top 15.3% in <100M tier

562

Fee Income Per Member

profitability

Value: $126.98

Peer Median: -

#562 of 2556 Top 21.9% in <100M tier

619

Loan Growth Rate

growth

Value: 4.25%

Peer Median: -

#619 of 2556 Top 24.2% in <100M tier

627

Average Member Relationship (AMR)

engagement

Value: $19,210

Peer Median: -

#627 of 2556 Top 24.5% in <100M tier

Top Weaknesses (3 metrics)

2460

Net Worth Ratio

risk

Value: 7.75%

Peer Median: -

#2460 of 2556 Bottom 3.8% in <100M tier

2271

Indirect Auto Concentration (%)

balance_sheet

Value: 5.17%

Peer Median: -

#2271 of 2556 Bottom 11.2% in <100M tier

2104

Efficiency Ratio

profitability

Value: 94.55%

Peer Median: -

#2104 of 2556 Bottom 17.7% in <100M tier