BlastPoint's Credit Union Scorecard
EAST ALABAMA COMMUNITY
Charter #12383 · AL
EAST ALABAMA COMMUNITY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Efficiency ratio 9.99% above tier (higher cost structure)
- - Member decline: -2.0% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,001
-2.0% YoY-0.2% QoQ
|
+385 |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$20.1M
+1.3% YoY-3.1% QoQ
|
$-10.0M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$5.6M
-3.2% YoY+5.7% QoQ
|
$-10.1M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$17.2M
+1.3% YoY-3.4% QoQ
|
$-8.5M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
0.3%
-50.2% YoY-12.5% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
3.0%
+10.9% YoY+1.6% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
92.6%
+7.6% YoY+0.8% QoQ
|
+10.0% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate | 0.2% | -1.4 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
32.9%
-4.4% YoY+9.4% QoQ
|
-27.7% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.5% in tier |
| AMR |
$7,597
+2.2% YoY-1.1% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
4.7%
-43.1% YoY-12.9% QoQ
|
-19.7% | 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)