BlastPoint's Credit Union Scorecard
SOLUTIONS FIRST
Charter #16556 · AL
SOLUTIONS FIRST faces 6 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Delinquency rate 1.04% above tier average
- - Net Worth Ratio: Bottom 1.4% in tier
- - Share Certificate Concentration (%): Bottom 6.1% in tier
- - Indirect Auto Concentration (%): Bottom 7.3% in tier
- - Loan Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,941
-0.5% YoY-0.2% QoQ
|
+2.3K |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
Top 13.6% in tier |
| Assets |
$45.7M
-0.3% YoY+1.5% QoQ
|
+$15.5M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
74% |
| Loans |
$19.3M
-16.6% YoY-5.9% QoQ
|
+$4.0M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
69% |
| Deposits |
$42.6M
-1.4% YoY+1.2% QoQ
|
+$16.8M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
77% |
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| ROA |
0.1%
-119.6% YoY-79.0% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
25% |
| NIM |
3.0%
+4.3% YoY-3.3% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
19% |
| Efficiency Ratio |
87.8%
-7.1% YoY+3.3% QoQ
|
-2.9% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
65% |
| Delinquency Rate |
2.5%
+28.4% YoY+9.7% QoQ
|
+1.0 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 14.0% in tier |
| Loan To Share |
45.2%
-15.4% YoY-7.0% QoQ
|
-13.3% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
29% |
| AMR |
$12,513
-6.2% YoY-0.9% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
42% |
| CD Concentration |
42.5%
-1.7% YoY-0.7% QoQ
|
+18.2% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % |
13.0%
-34.1% YoY-7.5% QoQ
|
-0.8% | 13.8% | 5.1% | 7.7% | 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)