BlastPoint's Credit Union Scorecard
SPIRIT OF ALASKA
Charter #13583 · AK
SPIRIT OF ALASKA has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 0.50% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,231
-1.6% YoY-1.4% QoQ
|
-5.9K |
15,145
-2.5% YoY
|
114,751
+3.4% YoY
|
33,913
+5.7% YoY
|
26% |
| Assets |
$200.8M
+2.4% YoY+0.5% QoQ
|
$-30.9M |
$231.7M
+0.8% YoY
|
$1.8B
+8.8% YoY
|
$578.3M
+9.0% YoY
|
51% |
| Loans |
$102.7M
-8.9% YoY+1.9% QoQ
|
$-41.5M |
$144.1M
+0.2% YoY
|
$1.4B
+7.7% YoY
|
$402.4M
+8.7% YoY
|
38% |
| Deposits |
$170.6M
+1.7% YoY+0.4% QoQ
|
$-30.5M |
$201.1M
+0.4% YoY
|
$1.6B
+10.3% YoY
|
$494.3M
+9.1% YoY
|
49% |
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| ROA |
0.9%
-21.6% YoY+0.7% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
0.8%
+12.2% YoY
|
0.4%
-39.2% YoY
|
62% |
| NIM |
4.1%
-5.3% YoY-3.5% QoQ
|
+0.5% |
3.6%
+4.6% YoY
|
4.2%
+5.3% YoY
|
3.8%
+4.1% YoY
|
80% |
| Efficiency Ratio |
84.9%
+9.4% YoY+4.0% QoQ
|
+6.9% |
78.0%
-1.7% YoY
|
77.7%
-1.8% YoY
|
84.6%
+2.8% YoY
|
71% |
| Delinquency Rate |
0.9%
+8.1% YoY+133.6% QoQ
|
+0.1 |
0.8%
+7.1% YoY
|
0.8%
+11.5% YoY
|
1.2%
+3.4% YoY
|
70% |
| Loan To Share |
60.2%
-10.4% YoY+1.5% QoQ
|
-10.2% |
70.4%
-0.4% YoY
|
75.0%
-0.5% YoY
|
65.6%
-1.4% YoY
|
27% |
| AMR |
$29,608
-0.9% YoY+2.4% QoQ
|
+$5K |
$24,918
+2.7% YoY
|
$26,073
+2.2% YoY
|
$19,920
+1.6% YoY
|
80% |
| CD Concentration |
10.0%
+9.5% YoY+4.3% QoQ
|
-14.3% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % |
19.0%
-28.6% YoY-20.6% QoQ
|
+5.2% | 13.8% | 15.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (9)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)