BlastPoint's Credit Union Scorecard
DEMOPOLIS
Charter #17311 · AL
DEMOPOLIS has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.71% above tier average
- + Net Interest Margin 1.46% above tier average
- + Strong member growth: 7.3% YoY
- + Net Worth Ratio: Top 0.7% in tier
- + Members Per Employee (MPE): Top 3.3% in tier
- + Member Growth Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 5.3% in tier
- - Total Deposits: Bottom 8.9% 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 +7.5% year over year ($1.5M in shares and deposits).
- Membership: 764 members, +7.3% vs a year ago.
- Delinquency rate 0.54%.
- Return on assets 3.20%.
- Efficiency ratio 63.16% vs a 88.77% peer average.
- Loan-to-share ratio 86.59% 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 |
764
+7.3% YoY+3.1% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$3.3M
+3.7% YoY+0.1% QoQ
|
$-27.0M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 13.5% in tier |
| Loans |
$1.3M
-1.5% YoY-4.9% QoQ
|
$-14.2M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.4% in tier |
| Deposits |
$1.5M
+7.5% YoY+0.1% QoQ
|
$-24.3M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
3.2%
-60.5% YoY-26.9% QoQ
|
+1.7% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
Top 3.7% in tier |
| NIM |
5.4%
-3.8% YoY-0.4% QoQ
|
+1.5% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
Top 7.4% in tier |
| Efficiency Ratio |
63.2%
+46.8% YoY+14.0% QoQ
|
-25.6% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
15% |
| Delinquency Rate |
0.5%
+146.8% YoY-26.6% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
43% |
| Loan To Share |
86.6%
-8.3% YoY-5.0% QoQ
|
+27.7% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Top 12.4% in tier |
| AMR |
$3,616
-3.9% YoY-5.2% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.3% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)