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
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Efficiency ratio 10.45% above tier (higher cost structure)
- - Member decline: -2.7% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,006
-2.7% YoY-0.6% QoQ
|
+380 |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
67% |
| Assets |
$20.8M
+2.2% YoY+2.5% QoQ
|
$-9.1M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
49% |
| Loans |
$5.3M
-11.1% YoY-0.5% QoQ
|
$-10.4M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
36% |
| Deposits |
$17.8M
+2.2% YoY+2.8% QoQ
|
$-7.7M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
49% |
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| ROA |
0.4%
-46.0% YoY+56.9% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
31% |
| NIM |
2.9%
+11.9% YoY+2.6% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
91.8%
+8.4% YoY-2.5% QoQ
|
+10.5% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
30.1%
-13.0% YoY-3.3% QoQ
|
-31.1% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.2% in tier |
| AMR |
$7,684
+1.5% YoY+2.7% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
5.4%
-37.4% YoY-16.6% QoQ
|
-19.0% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
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)