BlastPoint's Credit Union Scorecard
SIXTH AVENUE BAPTIST
Charter #15938 · AL
SIXTH AVENUE BAPTIST has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.67% above tier average
- + Net Interest Margin 1.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 13.02% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.5% in tier
- - Net Worth Ratio: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
836
-0.2% YoY-0.6% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$5.2M
+3.6% YoY-0.8% QoQ
|
$-24.9M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$3.7M
+2.7% YoY+0.7% QoQ
|
$-12.1M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$4.7M
+2.3% YoY-0.2% QoQ
|
$-21.0M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
1.3%
+589.8% YoY-49.6% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
5.2%
+2.0% YoY+1.2% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Top 10.9% in tier |
| Efficiency Ratio |
77.3%
-14.9% YoY+14.0% QoQ
|
-5.3% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
14.6%
+912.5% YoY-9.4% QoQ
|
+13.0 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
Top 1.5% in tier |
| Loan To Share |
77.8%
+0.5% YoY+0.9% QoQ
|
+17.2% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$10,067
+2.7% YoY+0.8% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration |
11.7%
+4.0% YoY-3.1% QoQ
|
-12.7% | 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)