BlastPoint's Credit Union Scorecard
MARVEL CITY
Charter #12837 · AL
MARVEL CITY has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.19% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.86% below tier average
- - Net Charge-Off Rate: Bottom 7.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 52 that size in Alabama.
- Shares and deposits +3.5% year over year ($7.3M in shares and deposits).
- Membership: 947 members, +0.7% vs a year ago.
- Delinquency rate 1.02%.
- Return on assets 0.63%.
- Efficiency ratio 82.43% vs a 88.77% peer average.
- Loan-to-share ratio 38.53% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
947
+0.7% YoY0% QoQ
|
-1.6K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
27% |
| Assets |
$9.0M
+3.7% YoY-1.7% QoQ
|
$-21.3M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$2.8M
-0.3% YoY-9.8% QoQ
|
$-12.6M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
23% |
| Deposits |
$7.3M
+3.5% YoY-0.7% QoQ
|
$-18.5M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
29% |
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| ROA |
0.6%
-37.6% YoY+164.5% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
39% |
| NIM |
4.1%
+3.0% YoY+2.9% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
60% |
| Efficiency Ratio |
82.4%
+14.0% YoY-7.4% QoQ
|
-6.3% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
54% |
| Delinquency Rate |
1.0%
-21.0% YoY-12.1% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
62% |
| Loan To Share |
38.5%
-3.7% YoY-9.2% QoQ
|
-20.4% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
20% |
| AMR |
$10,735
+1.7% YoY-3.4% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
23.0%
-5.2% YoY+9.4% QoQ
|
-1.6% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 7.7% | 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)