BlastPoint's Credit Union Scorecard
DEMOPOLIS
Charter #17311 · AL
<100M
2508 CUs in <100M nationally
53 in AL
DEMOPOLIS has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 4.24% above tier average
- + Net Interest Margin 1.37% above tier average
- + Strong member growth: 5.4% YoY
- + Net Worth Ratio: Top 0.6% in tier
- + Asset Growth Rate: Top 1.1% in tier
- + Members Per Employee (MPE): Top 3.8% in tier
- + Fee Income Per Member: Top 5.4% in tier
- + Member Growth Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 5.9% in tier
- - Total Deposits: Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
741
+5.4% YoY+3.3% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
21% |
| Assets |
$3.3M
+24.2% YoY+3.6% QoQ
|
$-26.9M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.6% in tier |
| Loans |
$1.3M
+0.9% YoY-2.2% QoQ
|
$-13.9M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 13.9% in tier |
| Deposits |
$1.5M
+3.4% YoY+8.5% QoQ
|
$-24.3M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
4.4%
-64.8% YoY-28.7% QoQ
|
+4.2% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
Top 0.8% in tier |
| NIM |
5.4%
-11.3% YoY-2.4% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Top 7.3% in tier |
| Efficiency Ratio |
55.4%
+60.8% YoY+13.3% QoQ
|
-35.2% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
Top 7.8% in tier |
| Delinquency Rate |
0.7%
+233.5% YoY-31.0% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
91.1%
-2.5% YoY-9.8% QoQ
|
+32.6% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
Top 7.3% in tier |
| AMR |
$3,814
-3.0% YoY-0.2% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.9% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (13 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
16
Net Worth Ratio
risk
Value:
54.46%
Peer Median: 14.28%
#16 of 2508
Top 0.6% in <100M tier
19
Return on Assets (ROA)
profitability
Value:
4.38%
Peer Median: 0.61%
#19 of 2508
Top 0.7% in <100M tier
28
Asset Growth Rate
growth
Value:
24.16%
Peer Median: 1.30%
#28 of 2508
Top 1.1% in <100M tier
97
Members Per Employee (MPE)
engagement
Value:
741.000
Peer Median: 333.750
#97 of 2508
Top 3.8% in <100M tier
136
Fee Income Per Member
profitability
Value:
$195.61
Peer Median: $60.42
#136 of 2508
Top 5.4% in <100M tier
156
Member Growth Rate
growth
Value:
5.41%
Peer Median: -1.37%
#156 of 2508
Top 6.2% in <100M tier
181
Loan-to-Share Ratio
balance_sheet
Value:
91.14%
Peer Median: 58.72%
#181 of 2508
Top 7.2% in <100M tier
Top Weaknesses (7 metrics)
2361
Average Member Relationship (AMR)
engagement
Value:
$3,814
Peer Median: $13,926
#2361 of 2508
Bottom 5.9% in <100M tier
2285
Total Deposits
balance_sheet
Value:
$1.48M
Peer Median: $18.77M
#2285 of 2508
Bottom 8.9% in <100M tier
2218
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,818
Peer Median: $4,923
#2218 of 2508
Bottom 11.6% in <100M tier
2167
Total Assets
balance_sheet
Value:
$3.26M
Peer Median: $21.86M
#2167 of 2508
Bottom 13.6% in <100M tier
2160
Total Loans
balance_sheet
Value:
$1.35M
Peer Median: $9.48M
#2160 of 2508
Bottom 13.9% in <100M tier
1984
Total Members
engagement
Value:
741
Peer Median: 1,918
#1984 of 2508
Bottom 20.9% in <100M tier
1889
AMR Growth Rate
growth
Value:
-3.03%
Peer Median: 1.27%
#1889 of 2508
Bottom 24.7% in <100M tier