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 0.13% above tier average
- + Net Interest Margin 1.00% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 1.0% in tier
- + Total Members: Top 1.5% in tier
- + Total Assets: Top 1.8% in tier
- + Total Loans: Top 3.7% in tier
- + Fee Income Per Member: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 6.7% in tier
- - Net Worth Ratio: Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,521
+3.5% YoY+0.5% QoQ
|
+6.9K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
Top 1.6% in tier |
| Assets |
$94.8M
+3.3% YoY+1.9% QoQ
|
+$65.0M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Top 1.8% in tier |
| Loans |
$54.3M
+5.7% YoY+0.1% QoQ
|
+$38.5M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
Top 3.7% in tier |
| Deposits |
$85.8M
+3.5% YoY+2.3% QoQ
|
+$60.3M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Top 1.0% in tier |
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| ROA |
0.8%
-18.9% YoY+158.6% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
53% |
| NIM |
4.9%
+13.7% YoY+2.8% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
84% |
| Efficiency Ratio |
66.6%
-5.0% YoY-1.8% QoQ
|
-14.8% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.9%
-36.7% YoY+32.5% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
59% |
| Loan To Share |
63.3%
+2.1% YoY-2.2% QoQ
|
+2.0% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
53% |
| AMR |
$14,713
+0.9% YoY+0.9% QoQ
|
+$86 |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
56% |
| CD Concentration |
16.8%
+3.2% YoY-3.6% QoQ
|
-7.6% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
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)