BlastPoint's Credit Union Scorecard

UNIVERSITY OF SOUTH ALABAMA

Charter #13659 · AL

<100M

2508 CUs in <100M nationally 53 in AL

UNIVERSITY OF SOUTH ALABAMA demonstrates 5 strengths

National Analysis

How does the industry compare?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 2.07% above tier average
+ Net Interest Margin 0.54% above tier average
+ Members Per Employee (MPE): Top 1.3% in tier
+ Total Members: Top 2.8% in tier
+ Efficiency Ratio: Top 6.8% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	8,374 -1.3% YoY-0.3% QoQ	+5.7K	2,676 +1.6% YoY	28,055 -6.4% YoY	33,913 +5.7% YoY	Top 2.8% in tier
Assets	$56.7M -0.4% YoY+2.6% QoQ	+$26.5M	$30.2M +1.3% YoY	$451.2M +7.2% YoY	$578.3M +9.0% YoY	81%
Loans	$24.4M -13.9% YoY-3.9% QoQ	+$9.2M	$15.3M -2.0% YoY	$260.3M +6.6% YoY	$402.4M +8.7% YoY	77%
Deposits	$47.3M -2.6% YoY+2.3% QoQ	+$21.5M	$25.8M +0.7% YoY	$395.2M +6.0% YoY	$494.3M +9.1% YoY	80%

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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	2.2% -34.5% YoY-5.1% QoQ	+2.1%	0.1% -77.6% YoY	0.6% -14.6% YoY	0.4% -39.2% YoY	Top 4.5% in tier
NIM	4.6% -2.8% YoY+9.7% QoQ	+0.5%	4.0% +4.0% YoY	3.7% +0.6% YoY	3.8% +4.1% YoY	78%
Efficiency Ratio	53.8% +33.7% YoY+4.8% QoQ	-36.8%	90.6% +6.5% YoY	80.4% -0.1% YoY	84.6% +2.8% YoY	Top 6.8% in tier
Delinquency Rate	0.3% -18.9% YoY-13.7% QoQ	-1.2	1.5% +3.8% YoY	1.6% +17.5% YoY	1.2% +3.4% YoY	35%
Loan To Share	51.7% -11.6% YoY-6.1% QoQ	-6.8%	58.5% -3.0% YoY	59.2% -1.1% YoY	65.6% -1.4% YoY	39%
AMR	$8,562 -5.5% YoY+0.4% QoQ	$-6K	$14,884 -1.7% YoY	$17,504 +3.5% YoY	$19,920 +1.6% YoY	21%
CD Concentration	2.7% +0.8% YoY+1.6% QoQ	-21.5%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Members Per Employee (MPE)

engagement

Value: 930.444

Peer Median: 333.750

#34 of 2508 Top 1.3% in <100M tier

Total Members

engagement

Value: 8,374

Peer Median: 1,918

#70 of 2508 Top 2.8% in <100M tier

114

Return on Assets (ROA)

profitability

Value: 2.21%

Peer Median: 0.61%

#114 of 2508 Top 4.5% in <100M tier

172

Efficiency Ratio

profitability

Value: 53.84%

Peer Median: 81.45%

#172 of 2508 Top 6.8% in <100M tier

478

Total Assets

balance_sheet

Value: $56.67M

Peer Median: $21.86M

#478 of 2508 Top 19.0% in <100M tier

497

Total Deposits

balance_sheet

Value: $47.27M

Peer Median: $18.77M

#497 of 2508 Top 19.8% in <100M tier

547

Net Interest Margin (NIM)

profitability

Value: 4.55%

Peer Median: 3.83%

#547 of 2508 Top 21.8% in <100M tier

575

Total Loans

balance_sheet

Value: $24.43M

Peer Median: $9.48M

#575 of 2508 Top 22.9% in <100M tier

Top Weaknesses (4 metrics)

2176

Loan Growth Rate

growth

Value: -13.89%

Peer Median: -2.36%

#2176 of 2508 Bottom 13.3% in <100M tier

2126

AMR Growth Rate

growth

Value: -5.55%

Peer Median: 1.27%

#2126 of 2508 Bottom 15.3% in <100M tier

1977

Average Member Relationship (AMR)

engagement

Value: $8,562

Peer Median: $13,926

#1977 of 2508 Bottom 21.2% in <100M tier

1911

Loan-to-Member Ratio (LMR)

engagement

Value: $2,918

Peer Median: $4,923

#1911 of 2508 Bottom 23.8% in <100M tier