BlastPoint's Credit Union Scorecard
BALDWIN COUNTY
Charter #13329 · AL
BALDWIN COUNTY has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.82% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -14.5% YoY
- - Member Growth Rate: Bottom 3.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,099
-14.5% YoY-14.2% QoQ
|
-526 |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
53% |
| Assets |
$30.6M
+3.9% YoY+1.9% QoQ
|
+$786K |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
61% |
| Loans |
$11.1M
-7.3% YoY-3.3% QoQ
|
$-4.6M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
54% |
| Deposits |
$26.6M
+3.3% YoY+1.3% QoQ
|
+$1.1M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
61% |
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| ROA |
1.5%
+374.5% YoY+24.4% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
3.9%
+25.9% YoY+1.5% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
49% |
| Efficiency Ratio |
68.1%
-19.4% YoY-6.3% QoQ
|
-13.3% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
28% |
| 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 |
41.9%
-10.3% YoY-4.6% QoQ
|
-19.3% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
21% |
| AMR |
$17,971
+17.0% YoY+16.4% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
71% |
| CD Concentration |
26.3%
+25.8% YoY-0.7% QoQ
|
+1.9% |
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)