BlastPoint's Credit Union Scorecard
SOLUTIONS FIRST
Charter #16556 · AL
SOLUTIONS FIRST has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Efficiency ratio 2.38% above tier (higher cost structure)
- - Delinquency rate 0.76% above tier average
- - Net Worth Ratio: Bottom 1.3% in tier
- - Share Certificate Concentration (%): Bottom 6.1% in tier
- - Indirect Auto Concentration (%): Bottom 7.5% in tier
- - AMR Growth Rate: Bottom 8.8% in tier
- - Loan Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,953
-0.1% YoY-0.1% QoQ
|
+2.3K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
Top 14.2% in tier |
| Assets |
$45.0M
-3.2% YoY+1.0% QoQ
|
+$14.8M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$20.5M
-15.6% YoY-4.2% QoQ
|
+$4.7M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$42.1M
-4.2% YoY+1.4% QoQ
|
+$16.4M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
0.4%
-314.6% YoY-13.4% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
3.1%
+8.7% YoY-0.1% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
84.9%
-11.3% YoY+1.3% QoQ
|
+2.4% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
2.3%
+29.9% YoY+6.9% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
48.7%
-11.9% YoY-5.5% QoQ
|
-12.0% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$12,623
-8.2% YoY-0.4% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
42.8%
-1.7% YoY-0.7% QoQ
|
+18.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
14.1%
-33.5% YoY-18.6% QoQ
|
+0.3% | 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)