BlastPoint's Credit Union Scorecard
DEMOPOLIS
Charter #17311 · AL
2556 CUs in <100M nationally
55 in AL
DEMOPOLIS has 12 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 5.53% above tier average
- + Net Interest Margin 1.55% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 0.8% in tier
- + Fee Income Per Member: Top 2.2% in tier
- + Loan-to-Share Ratio: Top 3.8% in tier
- + Net Worth Ratio: Top 3.9% in tier
- + Efficiency Ratio: Top 4.0% in tier
- + Members Per Employee (MPE): Top 4.2% in tier
- + Member Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 5.8% in tier
- - Total Deposits: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
717
+4.7% YoY-2.3% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$3.1M
+29.3% YoY-0.1% QoQ
|
$-27.0M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.5% in tier |
| Loans |
$1.4M
+4.9% YoY+3.3% QoQ
|
$-14.4M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.8% in tier |
| Deposits |
$1.4M
+3.9% YoY-2.1% QoQ
|
$-24.3M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.5% in tier |
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| ROA |
6.1%
+1.1% YoY-5.7% QoQ
|
+5.5% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Top 0.4% in tier |
| NIM |
5.5%
-6.1% YoY+1.6% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Top 7.2% in tier |
| Efficiency Ratio |
48.9%
-3.1% YoY+5.5% QoQ
|
-33.7% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.0% in tier |
| Delinquency Rate |
1.1%
+257.4% YoY+103.5% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
101.1%
+1.0% YoY+5.5% QoQ
|
+40.4% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Top 3.9% in tier |
| AMR |
$3,822
-0.3% YoY+2.9% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.8% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 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: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
10
Return on Assets (ROA)
profitability
Value:
6.15%
Peer Median: -
#10 of 2556
Top 0.4% in <100M tier
21
Asset Growth Rate
growth
Value:
29.30%
Peer Median: -
#21 of 2556
Top 0.8% in <100M tier
57
Fee Income Per Member
profitability
Value:
$293.21
Peer Median: -
#57 of 2556
Top 2.2% in <100M tier
98
Loan-to-Share Ratio
balance_sheet
Value:
101.06%
Peer Median: -
#98 of 2556
Top 3.8% in <100M tier
100
Net Worth Ratio
risk
Value:
34.10%
Peer Median: -
#100 of 2556
Top 3.9% in <100M tier
104
Efficiency Ratio
profitability
Value:
48.88%
Peer Median: -
#104 of 2556
Top 4.0% in <100M tier
109
Members Per Employee (MPE)
engagement
Value:
717.000
Peer Median: -
#109 of 2556
Top 4.2% in <100M tier
Top Weaknesses (6 metrics)
2409
Average Member Relationship (AMR)
engagement
Value:
$3,822
Peer Median: -
#2409 of 2556
Bottom 5.8% in <100M tier
2338
Total Deposits
balance_sheet
Value:
$1.36M
Peer Median: -
#2338 of 2556
Bottom 8.6% in <100M tier
2243
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,921
Peer Median: -
#2243 of 2556
Bottom 12.3% in <100M tier
2211
Total Assets
balance_sheet
Value:
$3.14M
Peer Median: -
#2211 of 2556
Bottom 13.5% in <100M tier
2204
Total Loans
balance_sheet
Value:
$1.38M
Peer Median: -
#2204 of 2556
Bottom 13.8% in <100M tier
2038
Total Members
engagement
Value:
717
Peer Median: -
#2038 of 2556
Bottom 20.3% in <100M tier