BlastPoint's Credit Union Scorecard
SOLUTIONS FIRST
Charter #16556 · AL
SOLUTIONS FIRST has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 8.07% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 212.82% above tier (higher cost structure)
- - Delinquency rate 0.88% above tier average
- - Net Worth Ratio: Bottom 0.3% in tier
- - Share Certificate Concentration (%): Bottom 7.0% in tier
- - Indirect Auto Concentration (%): Bottom 7.7% in tier
- - Loan Growth Rate: Bottom 9.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 52 that size in Alabama.
- Shares and deposits +0.6% year over year ($42.2M in shares and deposits).
- Membership: 4,942 members, -0.5% vs a year ago.
- Delinquency rate 2.43%.
- Return on assets 9.56%.
- Efficiency ratio 301.58% vs a 88.77% peer average.
- Loan-to-share ratio 43.38% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,942
-0.5% YoY+0.0% QoQ
|
+2.4K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
Top 13.9% in tier |
| Assets |
$45.2M
+1.1% YoY-1.1% QoQ
|
+$14.9M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
73% |
| Loans |
$18.3M
-17.0% YoY-5.0% QoQ
|
+$2.8M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$42.2M
+0.6% YoY-1.0% QoQ
|
+$16.4M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
77% |
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| ROA |
9.6%
+2409.6% YoY+11881.4% QoQ
|
+8.1% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
Top 0.7% in tier |
| NIM |
3.1%
+5.4% YoY+3.1% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
20% |
| Efficiency Ratio |
301.6%
+276.3% YoY+243.6% QoQ
|
+212.8% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 0.5% in tier |
| Delinquency Rate |
2.4%
+9.9% YoY-4.4% QoQ
|
+0.9 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
83% |
| Loan To Share |
43.4%
-17.5% YoY-4.1% QoQ
|
-15.5% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
27% |
| AMR |
$12,231
-5.0% YoY-2.3% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
40% |
| CD Concentration |
41.5%
-4.0% YoY-2.4% QoQ
|
+16.9% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % |
12.1%
-36.3% YoY-7.4% QoQ
|
-1.6% | 13.6% | 5.2% | 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)