BlastPoint's Credit Union Scorecard

ALCOA COMMUNITY

Charter #11913 · AR

<100M

2508 CUs in <100M nationally 43 in AR

ALCOA COMMUNITY has 4 strengths but faces 2 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

+ ROA 0.09% above tier average
+ Net Interest Margin 0.21% above tier average
+ Total Loans: Top 3.3% in tier
+ Total Members: Top 8.3% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 3.63% above tier (higher cost structure)
- Net Worth Ratio: Bottom 4.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Members	6,065 +2.3% YoY+0.5% QoQ	+3.4K	2,676 +1.6% YoY	7,947 +7.9% YoY	33,913 +5.7% YoY	Top 8.4% in tier
Assets	$68.7M -0.1% YoY-0.2% QoQ	+$38.5M	$30.2M +1.3% YoY	$111.4M +12.6% YoY	$578.3M +9.0% YoY	Top 13.0% in tier
Loans	$53.9M +6.7% YoY+1.3% QoQ	+$38.6M	$15.3M -2.0% YoY	$80.4M +16.0% YoY	$402.4M +8.7% YoY	Top 3.3% in tier
Deposits	$62.6M -0.7% YoY-0.1% QoQ	+$36.9M	$25.8M +0.7% YoY	$90.2M +11.4% YoY	$494.3M +9.1% YoY	Top 10.9% 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	0.2% -0.9% YoY-6.2% QoQ	+0.1%	0.1% -77.6% YoY	-4.0% +7873.5% YoY	0.4% -39.2% YoY	32%
NIM	4.2% +5.4% YoY+2.1% QoQ	+0.2%	4.0% +4.0% YoY	4.1% -8.1% YoY	3.8% +4.1% YoY	68%
Efficiency Ratio	94.3% -1.2% YoY-0.3% QoQ	+3.6%	90.6% +6.5% YoY	125.8% +36.6% YoY	84.6% +2.8% YoY	77%
Delinquency Rate	0.2% +88.4% YoY-47.7% QoQ	-1.3	1.5% +3.8% YoY	1.6% +18.4% YoY	1.2% +3.4% YoY	30%
Loan To Share	86.0% +7.4% YoY+1.4% QoQ	+27.5%	58.5% -3.0% YoY	70.8% -3.6% YoY	65.6% -1.4% YoY	Top 11.4% in tier
AMR	$19,211 +0.3% YoY+0.0% QoQ	+$4K	$14,884 -1.7% YoY	$12,879 +3.3% YoY	$19,920 +1.6% YoY	75%
CD Concentration	18.5% +10.1% YoY-2.0% QoQ	-5.8%	24.3%	15.4%	19.8%	50%
Indirect Auto %	4.8% -38.4% YoY-7.1% QoQ	-9.0%	13.8%	2.4%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (10 metrics)

Total Loans

balance_sheet

Value: $53.88M

Peer Median: $9.48M

#84 of 2508 Top 3.3% in <100M tier

210

Total Members

engagement

Value: 6,065

Peer Median: 1,918

#210 of 2508 Top 8.3% in <100M tier

273

Total Deposits

balance_sheet

Value: $62.63M

Peer Median: $18.77M

#273 of 2508 Top 10.8% in <100M tier

283

Loan-to-Share Ratio

balance_sheet

Value: 86.02%

Peer Median: 58.72%

#283 of 2508 Top 11.2% in <100M tier

303

Net Charge-Off Rate

risk

Value: -0.06%

Peer Median: 0.07%

#303 of 2508 Top 12.0% in <100M tier

306

Loan-to-Member Ratio (LMR)

engagement

Value: $8,884

Peer Median: $4,923

#306 of 2508 Top 12.2% in <100M tier

325

Total Assets

balance_sheet

Value: $68.69M

Peer Median: $21.86M

#325 of 2508 Top 12.9% in <100M tier

377

Member Growth Rate

growth

Value: 2.29%

Peer Median: -1.37%

#377 of 2508 Top 15.0% in <100M tier

396

Loan Growth Rate

growth

Value: 6.70%

Peer Median: -2.36%

#396 of 2508 Top 15.7% in <100M tier

427

Fee Income Per Member

profitability

Value: $130.17

Peer Median: $60.42

#427 of 2508 Top 17.0% in <100M tier

Top Weaknesses (3 metrics)

2401

Net Worth Ratio

risk

Value: 7.82%

Peer Median: 14.28%

#2401 of 2508 Bottom 4.3% in <100M tier

2238

Indirect Auto Concentration (%)

balance_sheet

Value: 4.80%

Peer Median: 0.00%

#2238 of 2508 Bottom 10.8% in <100M tier

1921

Efficiency Ratio

profitability

Value: 94.27%

Peer Median: 81.45%

#1921 of 2508 Bottom 23.4% in <100M tier