BlastPoint's Credit Union Scorecard
FEDMONT
Charter #14026 · AL
FEDMONT has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 0.53% above tier average
- + Loan Growth Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.02% above tier (higher cost structure)
- - Member decline: -2.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,216
-2.1% YoY-1.0% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$12.5M
+1.7% YoY-2.1% QoQ
|
$-17.6M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$4.3M
+16.9% YoY-0.0% QoQ
|
$-11.5M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$10.7M
+1.2% YoY-2.6% QoQ
|
$-15.0M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
0.8%
+8.4% YoY-20.7% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
4.5%
-8.4% YoY+1.3% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
83.6%
+4.6% YoY+3.8% QoQ
|
+1.0% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.9%
+101.9% YoY+593.1% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
40.2%
+15.6% YoY+2.6% QoQ
|
-20.4% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$12,330
+7.5% YoY-0.9% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration |
15.5%
+7.7% YoY+2.7% QoQ
|
-8.9% | 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)