BlastPoint's Credit Union Scorecard

SPIRIT OF ALASKA

Charter #13583 · AK

1069 CUs in 100M-500M nationally 5 in AK

SPIRIT OF ALASKA has 3 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 0.09% above tier average
+ Net Interest Margin 0.67% above tier average
+ Share Certificate Concentration (%): Top 9.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 26.6% in tier
- Shrinking Wallet Share: Bottom 36.7% in tier
- Indirect Auto Dependency: Bottom 76.2% in tier
- Wealth Migration Risk: Bottom 79.0% in tier
- Efficiency ratio 4.57% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 0.0% in tier
- Loan Growth Rate: Bottom 1.3% in tier
- AMR Growth Rate: Bottom 6.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Members	9,359 0% YoY0% QoQ	-6.1K	15,437 -2.9% YoY	113,831 +3.1% YoY	33,374 +5.7% YoY	26%
Assets	$199.7M +3.1% YoY+3.4% QoQ	$-32.1M	$231.9M +1.3% YoY	$1.8B +10.4% YoY	$561.6M +9.7% YoY	50%
Loans	$100.8M -12.6% YoY-5.7% QoQ	$-46.6M	$147.3M -0.1% YoY	$1.5B +8.8% YoY	$397.0M +8.8% YoY	35%
Deposits	$169.9M +2.7% YoY+3.7% QoQ	$-30.9M	$200.8M +0.8% YoY	$1.6B +11.8% YoY	$477.3M +9.7% YoY	49%

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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	0.9% -8.8% YoY-12.8% QoQ	+0.1%	0.8% +18.2% YoY	0.6% +35.7% YoY	0.7% +15.9% YoY	58%
NIM	4.3% -1.6% YoY-2.1% QoQ	+0.7%	3.6% +6.7% YoY	4.2% +5.1% YoY	3.8% +5.1% YoY	85%
Efficiency Ratio	81.6% +5.0% YoY+2.2% QoQ	+4.6%	77.0% -3.1% YoY	78.5% -3.0% YoY	79.7% -3.3% YoY	66%
Delinquency Rate	0.4% -30.6% YoY-21.1% QoQ	-0.5	0.9% +4.2% YoY	0.9% -6.6% YoY	1.3% -2.1% YoY	22%
Loan To Share	59.3% -14.8% YoY-9.1% QoQ	-12.9%	72.2% -1.1% YoY	75.9% -0.1% YoY	67.4% -1.7% YoY	22%
AMR	$28,917 -3.6% YoY+0.0% QoQ	+$4K	$24,676 +3.4% YoY	$26,046 +3.3% YoY	$19,687 +2.0% YoY	78%
CD Concentration	9.6% +0.1% YoY-3.6% QoQ	-14.8%	24.4%	22.5%	19.8%	50%
Indirect Auto %	23.9% -14.0% YoY+6.0% QoQ	+10.1%	13.8%	15.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#144 of 538 • Bottom 26.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.59%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.08% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 0.00%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#77 of 208 • Bottom 36.7% in tier

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

Why This Signature

AMR Growth (YoY): -3.60%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#386 of 506 • Bottom 76.2% in tier

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

Why This Signature

Asset Growth (YoY): 3.13%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 23.94%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.00%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Wealth Migration Risk

decline

#16 of 20 • Bottom 79.0% 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: $25.3K, National: $19.7K)

but better than tier avg

AMR Growth (YoY): -3.60%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

20 of 1069 Mid-Small & Community CUs have this signature | 34 nationally

→ No prior data (20 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (6 metrics)

105

Share Certificate Concentration (%)

balance_sheet

Value: 9.60%

Peer Median: -

#105 of 1069 Top 9.7% in 100M-500M tier

162

Net Interest Margin (NIM)

profitability

Value: 4.28%

Peer Median: -

#162 of 1069 Top 15.1% in 100M-500M tier

192

Net Worth Ratio

risk

Value: 14.48%

Peer Median: -

#192 of 1069 Top 17.9% in 100M-500M tier

231

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: -

#231 of 1069 Top 21.5% in 100M-500M tier

232

Average Member Relationship (AMR)

engagement

Value: $28,917

Peer Median: -

#232 of 1069 Top 21.6% in 100M-500M tier

233

Total Delinquency Rate (60+ days)

risk

Value: 0.38%

Peer Median: -

#233 of 1069 Top 21.7% in 100M-500M tier

Top Weaknesses (5 metrics)

1069

Members Per Employee (MPE)

engagement

Value: -

Peer Median: -

#1069 of 1069 Bottom 0.0% in 100M-500M tier

1056

Loan Growth Rate

growth

Value: -12.58%

Peer Median: -

#1056 of 1069 Bottom 1.3% in 100M-500M tier

1005

AMR Growth Rate

growth

Value: -3.60%

Peer Median: -

#1005 of 1069 Bottom 6.1% in 100M-500M tier

838

Loan-to-Share Ratio

balance_sheet

Value: 59.31%

Peer Median: -

#838 of 1069 Bottom 21.7% in 100M-500M tier

834

Indirect Auto Concentration (%)

balance_sheet

Value: 23.94%

Peer Median: -

#834 of 1069 Bottom 22.1% in 100M-500M tier