BlastPoint's Credit Union Scorecard
FOUR SEASONS
Charter #16479 · AL
FOUR SEASONS has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.49% above tier average
- + Net Interest Margin 1.11% above tier average
- + First Mortgage Concentration (%): Top 1.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Delinquency rate 0.71% above tier average
- - Total Assets: Bottom 2.4% in tier
- - Total Deposits: Bottom 5.3% in tier
- - Net Charge-Off Rate: Bottom 5.6% in tier
- - Net Worth Ratio: Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,631
+2.5% YoY+1.0% QoQ
|
-5.5K |
15,145
-2.5% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
30% |
| Assets |
$102.3M
+6.8% YoY+8.2% QoQ
|
$-129.4M |
$231.7M
+0.8% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.3% in tier |
| Loans |
$58.3M
+8.9% YoY+2.2% QoQ
|
$-85.8M |
$144.1M
+0.2% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.2% in tier |
| Deposits |
$91.9M
+5.8% YoY+7.8% QoQ
|
$-109.2M |
$201.1M
+0.4% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.2% in tier |
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| ROA |
1.2%
-220.3% YoY+41.8% QoQ
|
+0.5% |
0.7%
+5.1% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
80% |
| NIM |
4.7%
+0.7% YoY-4.6% QoQ
|
+1.1% |
3.6%
+4.6% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Top 5.7% in tier |
| Efficiency Ratio |
66.7%
-0.7% YoY-2.0% QoQ
|
-11.3% |
78.0%
-1.7% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
19% |
| Delinquency Rate |
1.5%
+93.3% YoY+5.6% QoQ
|
+0.7 |
0.8%
+7.1% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.1% in tier |
| Loan To Share |
63.4%
+2.8% YoY-5.1% QoQ
|
-7.0% |
70.4%
-0.4% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$15,599
+4.3% YoY+4.6% QoQ
|
$-9K |
$24,918
+2.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.4% in tier |
| CD Concentration |
21.4%
+31.4% YoY+40.2% QoQ
|
-2.9% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)