BlastPoint's Credit Union Scorecard

SPIRIT OF ALASKA

Charter #13583 · AK

1077 CUs in 100M-500M nationally 5 in AK

SPIRIT OF ALASKA has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

AK Analysis

How does AK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.19% above tier average
+ Net Interest Margin 0.78% above tier average

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 9.4% in tier
- Wealth Migration Risk: Bottom 23.6% in tier
- Indirect Auto Dependency: Bottom 28.9% in tier
- Deposit Outflow: Bottom 93.8% in tier
- Efficiency ratio 2.55% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 5.0% in tier
- Loan Growth Rate: Bottom 6.2% in tier
- AMR Growth Rate: Bottom 6.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Members	9,359 -0.0% YoY+0.1% QoQ	-6.3K	15,628 -3.4% YoY	113,900 +3.3% YoY	33,089 +6.1% YoY	25%
Assets	$193.3M +0.4% YoY-1.0% QoQ	$-38.0M	$231.3M -0.0% YoY	$1.8B +11.8% YoY	$547.7M +7.8% YoY	49%
Loans	$106.8M -7.8% YoY-3.2% QoQ	$-41.0M	$147.8M -1.4% YoY	$1.5B +8.8% YoY	$388.7M +8.6% YoY	39%
Deposits	$163.8M -0.5% YoY-1.1% QoQ	$-36.5M	$200.3M -0.0% YoY	$1.6B +14.4% YoY	$464.6M +9.3% YoY	47%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +4.3% YoY+7.6% QoQ	+0.2%	0.8% +15.5% YoY	0.6% +34.6% YoY	0.7% +273.4% YoY	65%
NIM	4.4% +1.8% YoY+1.3% QoQ	+0.8%	3.6% +6.9% YoY	4.2% +5.6% YoY	3.7% +5.0% YoY	Top 12.3% in tier
Efficiency Ratio	79.8% +2.4% YoY-0.3% QoQ	+2.5%	77.3% -3.0% YoY	78.1% -3.3% YoY	79.1% -3.3% YoY	61%
Delinquency Rate	0.5% -15.2% YoY-18.4% QoQ	-0.4	0.9% +7.6% YoY	0.8% -14.6% YoY	1.2% -0.9% YoY	35%
Loan To Share	65.2% -7.3% YoY-2.1% QoQ	-7.5%	72.7% -1.5% YoY	77.0% -0.7% YoY	68.0% -1.7% YoY	32%
AMR	$28,913 -3.5% YoY-2.1% QoQ	+$5K	$24,363 +2.9% YoY	$25,886 +3.8% YoY	$19,418 +1.3% YoY	80%
CD Concentration	10.0% +0.0% YoY+5.0% QoQ	-14.5%	24.4% +4.2% YoY	21.9% +3.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	22.6% -21.8% YoY-8.7% QoQ	+8.6%	14.0% -5.7% YoY	15.6% -2.3% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Shrinking Wallet Share

decline

#95 of 244 • Bottom 9.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.52%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Wealth Migration Risk

decline

#27 of 28 • Bottom 23.6% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $28.9K

(Tier: $25.0K, National: $19.4K)

but better than tier avg

AMR Growth (YoY): -3.52%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

28 of 1077 Community CUs have this signature | 39 nationally

↓ Shrinking -32 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#465 of 525 • Bottom 28.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.42%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 22.58%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -0.02%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Deposit Outflow

decline

#76 of 81 • Bottom 93.8% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -0.54%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): -0.02%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

115

Share Certificate Concentration (%)

balance_sheet

Value: 9.95%

Peer Avg: -

#115 of 1077 Top 10.6% in 100M-500M tier

132

Net Interest Margin (NIM)

profitability

Value: 4.37%

Peer Avg: -

#132 of 1077 Top 12.2% in 100M-500M tier

174

Net Worth Ratio

risk

Value: 14.84%

Peer Avg: -

#174 of 1077 Top 16.1% in 100M-500M tier

217

Average Member Relationship (AMR)

engagement

Value: $28,913

Peer Avg: -

#217 of 1077 Top 20.1% in 100M-500M tier

Top Weaknesses (6 metrics)

1024

Members Per Employee (MPE)

engagement

Value: 207.978

Peer Avg: -

#1024 of 1077 Bottom 5.0% in 100M-500M tier

1011

Loan Growth Rate

growth

Value: -7.81%

Peer Avg: -

#1011 of 1077 Bottom 6.2% in 100M-500M tier

1007

AMR Growth Rate

growth

Value: -3.52%

Peer Avg: -

#1007 of 1077 Bottom 6.6% in 100M-500M tier

915

Deposit Growth Rate

growth

Value: -0.54%

Peer Avg: -

#915 of 1077 Bottom 15.1% in 100M-500M tier

850

Asset Growth Rate

growth

Value: 0.42%

Peer Avg: -

#850 of 1077 Bottom 21.2% in 100M-500M tier

817

Indirect Auto Concentration (%)

balance_sheet

Value: 22.58%

Peer Avg: -

#817 of 1077 Bottom 24.2% in 100M-500M tier