BlastPoint's Credit Union Scorecard
FLORENCE
Charter #13167 · AL
FLORENCE faces 3 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.09% below tier average
- - Member decline: -4.8% YoY
- - First Mortgage Concentration (%): Bottom 6.0% 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 -2.1% year over year ($57.0M in shares and deposits).
- Membership: 3,906 members, -4.8% vs a year ago.
- Delinquency rate 0.90%.
- Return on assets 0.40%.
- Efficiency ratio 87.84% vs a 88.77% peer average.
- Loan-to-share ratio 45.04% 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 |
3,906
-4.8% YoY-0.6% QoQ
|
+1.3K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
78% |
| Assets |
$65.9M
-1.5% YoY-1.0% QoQ
|
+$35.6M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
Top 14.2% in tier |
| Loans |
$25.7M
-8.3% YoY-1.6% QoQ
|
+$10.2M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
78% |
| Deposits |
$57.0M
-2.1% YoY-1.5% QoQ
|
+$31.2M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
Top 14.1% in tier |
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| ROA |
0.4%
-22.4% YoY+53.1% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
25% |
| NIM |
3.3%
+3.2% YoY+2.3% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
87.8%
+3.2% YoY-4.3% QoQ
|
-0.9% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
67% |
| Delinquency Rate |
0.9%
-56.5% YoY+14.8% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
58% |
| Loan To Share |
45.0%
-6.4% YoY-0.1% QoQ
|
-13.9% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
29% |
| AMR |
$21,168
+0.8% YoY-0.9% QoQ
|
+$6K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
24.4%
+1.0% YoY-2.2% QoQ
|
-0.2% | 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)