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 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Efficiency ratio 2.45% above tier (higher cost structure)
- - Delinquency rate 0.66% above tier average
- - Net Worth Ratio: Bottom 1.5% in tier
- - Share Certificate Concentration (%): Bottom 5.7% in tier
- - Indirect Auto Concentration (%): Bottom 6.7% in tier
- - AMR Growth Rate: Bottom 8.9% in tier
- - Loan Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,958
+0.1% YoY-0.2% QoQ
|
+2.3K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
Top 14.3% in tier |
| Assets |
$44.6M
-3.5% YoY-0.3% QoQ
|
+$14.7M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
74% |
| Loans |
$21.4M
-16.3% YoY-3.0% QoQ
|
+$5.6M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
72% |
| Deposits |
$41.5M
-4.5% YoY-1.0% QoQ
|
+$16.0M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
0.4%
-315.8% YoY+15.1% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
33% |
| NIM |
3.1%
+8.3% YoY+5.9% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
21% |
| Efficiency Ratio |
83.8%
-12.3% YoY+4.6% QoQ
|
+2.5% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
64% |
| Delinquency Rate |
2.2%
+3.9% YoY-1.9% QoQ
|
+0.7 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
51.5%
-12.3% YoY-2.1% QoQ
|
-9.7% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
34% |
| AMR |
$12,675
-8.9% YoY-1.5% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
44% |
| CD Concentration |
43.1%
-2.1% YoY-0.2% QoQ
|
+18.7% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
17.3%
-22.6% YoY-8.6% QoQ
|
+3.3% |
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)