BlastPoint's Credit Union Scorecard
FOUR SEASONS
Charter #16479 · AL
FOUR SEASONS has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 1.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 1.1% in tier
- + Total Members: Top 1.7% in tier
- + Total Assets: Top 2.1% in tier
- + Total Loans: Top 2.9% in tier
- + Fee Income Per Member: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 8.9% in tier
- - Net Charge-Off Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,539
+2.2% YoY+0.2% QoQ
|
+6.9K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
Top 1.7% in tier |
| Assets |
$94.5M
+3.9% YoY-0.3% QoQ
|
+$64.4M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
Top 2.1% in tier |
| Loans |
$57.0M
+7.8% YoY+5.1% QoQ
|
+$41.3M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Top 2.9% in tier |
| Deposits |
$85.3M
+3.3% YoY-0.6% QoQ
|
+$59.6M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Top 1.1% in tier |
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| ROA |
0.9%
-2.7% YoY+5.7% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
5.0%
+13.7% YoY+0.8% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Top 15.0% in tier |
| Efficiency Ratio |
68.1%
-4.5% YoY+2.2% QoQ
|
-14.5% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
1.4%
-21.2% YoY+53.4% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
66.9%
+4.3% YoY+5.7% QoQ
|
+6.2% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$14,920
+2.8% YoY+1.4% QoQ
|
+$137 |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
15.3%
-3.7% YoY-9.0% QoQ
|
-9.2% | 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)