BlastPoint's Credit Union Scorecard
THE BRIDGEWAY
Charter #13852 · AL
THE BRIDGEWAY has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.86% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 5.2% in tier
- + Loan Growth Rate: Top 5.4% in tier
- + Fee Income Per Member: Top 8.0% in tier
- + Total Loans: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency ratio 4.89% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,125
-0.7% YoY-1.0% QoQ
|
+4.5K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
Top 5.3% in tier |
| Assets |
$63.2M
-1.0% YoY-0.1% QoQ
|
+$33.0M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$43.3M
+16.3% YoY+3.8% QoQ
|
+$27.5M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Top 8.4% in tier |
| Deposits |
$51.9M
-1.7% YoY-0.1% QoQ
|
+$26.2M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
0.1%
-108.6% YoY+51.5% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
4.8%
+22.5% YoY+3.2% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
87.5%
-20.5% YoY-2.1% QoQ
|
+4.9% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
1.0%
+61.3% YoY+15.9% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
83.5%
+18.2% YoY+3.9% QoQ
|
+22.9% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$13,360
+6.5% YoY+2.6% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
18.7%
-2.6% YoY-0.3% QoQ
|
-5.7% | 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)