BlastPoint's Credit Union Scorecard
FEDMONT
Charter #14026 · AL
FEDMONT has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.21% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.43% below tier average
- - Efficiency ratio 9.88% above tier (higher cost structure)
- - Member decline: -2.5% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 52 that size in Alabama.
- Shares and deposits +1.0% year over year ($11.2M in shares and deposits).
- Membership: 1,207 members, -2.5% vs a year ago.
- Delinquency rate 0.52%.
- Return on assets 0.06%.
- Efficiency ratio 98.65% vs a 88.77% peer average.
- Loan-to-share ratio 36.06% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,207
-2.5% YoY-0.7% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
34% |
| Assets |
$13.0M
+1.1% YoY+1.1% QoQ
|
$-17.2M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
37% |
| Loans |
$4.1M
-3.1% YoY+3.2% QoQ
|
$-11.4M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
30% |
| Deposits |
$11.2M
+1.0% YoY+1.3% QoQ
|
$-14.6M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
38% |
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| ROA |
0.1%
-93.9% YoY-87.0% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 4.4% in tier |
| NIM |
4.1%
-5.7% YoY-2.9% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
98.6%
+21.3% YoY+9.7% QoQ
|
+9.9% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 14.6% in tier |
| Delinquency Rate |
0.5%
-20.5% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
42% |
| Loan To Share |
36.1%
-4.0% YoY+1.8% QoQ
|
-22.8% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
17% |
| AMR |
$12,671
+2.4% YoY+2.6% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
42% |
| CD Concentration |
13.8%
+2.1% YoY-1.0% QoQ
|
-10.8% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 7.7% | 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)