BlastPoint's Credit Union Scorecard
UNIVERSITY OF SOUTH ALABAMA
Charter #13659 · AL
UNIVERSITY OF SOUTH ALABAMA demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.71% above tier average
- + Net Interest Margin 0.19% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 1.3% in tier
- + Total Members: Top 3.1% in tier
- + Efficiency Ratio: Top 5.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,400
-0.7% YoY-0.3% QoQ
|
+5.8K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
Top 3.1% in tier |
| Assets |
$55.2M
-0.2% YoY-0.1% QoQ
|
+$25.1M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$25.4M
-12.9% YoY-4.3% QoQ
|
+$9.7M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
77% |
| Deposits |
$46.2M
-3.2% YoY-0.1% QoQ
|
+$20.5M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
80% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.3%
+11.2% YoY-24.1% QoQ
|
+1.7% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Top 3.6% in tier |
| NIM |
4.1%
+6.8% YoY-13.2% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
51.4%
-6.5% YoY+19.0% QoQ
|
-31.2% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.3% in tier |
| Delinquency Rate |
0.4%
-38.7% YoY-10.3% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
34% |
| Loan To Share |
55.0%
-10.0% YoY-4.3% QoQ
|
-5.6% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$8,526
-6.3% YoY-1.3% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration |
2.7%
-6.1% YoY+3.5% QoQ
|
-21.7% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 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)