BlastPoint's Credit Union Scorecard

SIXTH AVENUE BAPTIST

Charter #15938 · AL

<100M

2508 CUs in <100M nationally 53 in AL

SIXTH AVENUE BAPTIST has 2 strengths but faces 2 concerns

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 0.92% above tier average
+ Net Interest Margin 1.26% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 8.51% above tier average
- Total Delinquency Rate (60+ days): Bottom 2.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	829 -1.2% YoY-0.8% QoQ	-1.8K	2,676 +1.6% YoY	28,055 -6.4% YoY	33,913 +5.7% YoY	24%
Assets	$5.2M -1.1% YoY+0.4% QoQ	$-25.0M	$30.2M +1.3% YoY	$451.2M +7.2% YoY	$578.3M +9.0% YoY	20%
Loans	$3.9M +7.5% YoY+6.4% QoQ	$-11.4M	$15.3M -2.0% YoY	$260.3M +6.6% YoY	$402.4M +8.7% YoY	29%
Deposits	$4.7M -1.9% YoY+0.2% QoQ	$-21.0M	$25.8M +0.7% YoY	$395.2M +6.0% YoY	$494.3M +9.1% YoY	22%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.1% -81.5% YoY-17.0% QoQ	+0.9%	0.1% -77.6% YoY	0.6% -14.6% YoY	0.4% -39.2% YoY	71%
NIM	5.3% +5.8% YoY+1.7% QoQ	+1.3%	4.0% +4.0% YoY	3.7% +0.6% YoY	3.8% +4.1% YoY	Top 8.3% in tier
Efficiency Ratio	78.9% +64.4% YoY+2.1% QoQ	-11.7%	90.6% +6.5% YoY	80.4% -0.1% YoY	84.6% +2.8% YoY	43%
Delinquency Rate	10.0% +252.6% YoY-31.3% QoQ	+8.5	1.5% +3.8% YoY	1.6% +17.5% YoY	1.2% +3.4% YoY	Bottom 2.4% in tier
Loan To Share	82.6% +9.6% YoY+6.2% QoQ	+24.1%	58.5% -3.0% YoY	59.2% -1.1% YoY	65.6% -1.4% YoY	84%
AMR	$10,446 +3.4% YoY+3.8% QoQ	$-4K	$14,884 -1.7% YoY	$17,504 +3.5% YoY	$19,920 +1.6% YoY	31%
CD Concentration	10.5% -0.8% YoY-10.6% QoQ	-13.8%	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 (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

209

Net Interest Margin (NIM)

profitability

Value: 5.27%

Peer Median: 3.83%

#209 of 2508 Top 8.3% in <100M tier

353

Loan Growth Rate

growth

Value: 7.53%

Peer Median: -2.36%

#353 of 2508 Top 14.0% in <100M tier

387

Loan-to-Share Ratio

balance_sheet

Value: 82.60%

Peer Median: 58.72%

#387 of 2508 Top 15.4% in <100M tier

548

Fee Income Per Member

profitability

Value: $117.93

Peer Median: $60.42

#548 of 2508 Top 21.8% in <100M tier

Top Weaknesses (6 metrics)

2450

Total Delinquency Rate (60+ days)

risk

Value: 10.02%

Peer Median: 0.65%

#2450 of 2508 Bottom 2.4% in <100M tier

2204

Net Worth Ratio

risk

Value: 9.27%

Peer Median: 14.28%

#2204 of 2508 Bottom 12.2% in <100M tier

2101

Net Charge-Off Rate

risk

Value: 0.87%

Peer Median: 0.07%

#2101 of 2508 Bottom 16.3% in <100M tier

2019

Total Assets

balance_sheet

Value: $5.24M

Peer Median: $21.86M

#2019 of 2508 Bottom 19.5% in <100M tier

1961

Total Deposits

balance_sheet

Value: $4.74M

Peer Median: $18.77M

#1961 of 2508 Bottom 21.9% in <100M tier

1909

Total Members

engagement

Value: 829

Peer Median: 1,918

#1909 of 2508 Bottom 23.9% in <100M tier