BlastPoint's Credit Union Scorecard

FEDMONT

Charter #14026 · AL

<100M

2508 CUs in <100M nationally 53 in AL

FEDMONT demonstrates 3 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 0.33% above tier average
+ Net Interest Margin 0.22% above tier average
+ Loan Growth Rate: Top 9.8% 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	1,216 -1.9% YoY0% QoQ	-1.5K	2,676 +1.6% YoY	28,055 -6.4% YoY	33,913 +5.7% YoY	34%
Assets	$12.9M +0.3% YoY+3.2% QoQ	$-17.3M	$30.2M +1.3% YoY	$451.2M +7.2% YoY	$578.3M +9.0% YoY	37%
Loans	$3.9M +10.2% YoY-8.7% QoQ	$-11.4M	$15.3M -2.0% YoY	$260.3M +6.6% YoY	$402.4M +8.7% YoY	29%
Deposits	$11.1M -0.6% YoY+3.8% QoQ	$-14.7M	$25.8M +0.7% YoY	$395.2M +6.0% YoY	$494.3M +9.1% YoY	38%

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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	0.5% -24.1% YoY-39.1% QoQ	+0.3%	0.1% -77.6% YoY	0.6% -14.6% YoY	0.4% -39.2% YoY	44%
NIM	4.2% -4.5% YoY-5.6% QoQ	+0.2%	4.0% +4.0% YoY	3.7% +0.6% YoY	3.8% +4.1% YoY	68%
Efficiency Ratio	89.9% +3.1% YoY+7.6% QoQ	-0.7%	90.6% +6.5% YoY	80.4% -0.1% YoY	84.6% +2.8% YoY	69%
Delinquency Rate	0.7% +207.5% YoY-28.9% QoQ	-0.8	1.5% +3.8% YoY	1.6% +17.5% YoY	1.2% +3.4% YoY	50%
Loan To Share	35.4% +10.8% YoY-12.0% QoQ	-23.1%	58.5% -3.0% YoY	59.2% -1.1% YoY	65.6% -1.4% YoY	17%
AMR	$12,353 +4.0% YoY+0.2% QoQ	$-3K	$14,884 -1.7% YoY	$17,504 +3.5% YoY	$19,920 +1.6% YoY	41%
CD Concentration	13.9% +3.3% YoY-10.1% QoQ	-10.4%	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 (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

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

247

Loan Growth Rate

growth

Value: 10.15%

Peer Median: -2.36%

#247 of 2508 Top 9.8% in <100M tier

Top Weaknesses (1 metrics)

2090

Loan-to-Share Ratio

balance_sheet

Value: 35.41%

Peer Median: 58.72%

#2090 of 2508 Bottom 16.7% in <100M tier