BlastPoint's Credit Union Scorecard

ALL IN

Charter #17642 · AL

Mid-Market 3B-5B

76 CUs in 3B-5B nationally 2 in AL

View Mid-Market leaderboard →

ALL IN has 9 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 1.2% in tier
+ Organic Growth Leader: Top 3.6% in tier
+ Profitability Leader: Top 93.6% in tier
+ ROA 0.28% above tier average
+ Net Interest Margin 0.51% above tier average
+ Strong member growth: 9.4% YoY
+ Efficiency Ratio: Top 0.0% in tier
+ First Mortgage Concentration (%): Top 2.6% in tier
+ Member Growth Rate: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 1.6% in tier
- Credit Quality Pressure: Bottom 3.9% in tier
- Delinquency rate 0.60% above tier average
- Share Certificate Concentration (%): Bottom 5.3% in tier
- Net Charge-Off Rate: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	209,048 +9.4% YoY+2.5% QoQ	-29.4K	238,465 +0.6% YoY	29,240 -2.8% YoY	33,089 +6.1% YoY	41%
Assets	$3.6B +8.3% YoY+0.6% QoQ	$-378.2M	$4.0B -0.1% YoY	$436.7M +7.4% YoY	$547.7M +7.8% YoY	32%
Loans	$2.8B +11.2% YoY+2.8% QoQ	$-253.2M	$3.0B +3.3% YoY	$258.0M +6.8% YoY	$388.7M +8.6% YoY	33%
Deposits	$3.2B +10.8% YoY+2.1% QoQ	$-157.2M	$3.3B +1.1% YoY	$382.5M +6.8% YoY	$464.6M +9.3% YoY	37%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +10.5% YoY+10.0% QoQ	+0.3%	0.7% +5.3% YoY	0.8% +31.6% YoY	0.7% +273.4% YoY	64%
NIM	3.7% +11.1% YoY+2.2% QoQ	+0.5%	3.2% +13.7% YoY	3.7% +6.4% YoY	3.7% +5.0% YoY	79%
Efficiency Ratio	53.2% -4.2% YoY-3.1% QoQ	-18.1%	71.3% -0.6% YoY	76.4% -6.2% YoY	79.1% -3.3% YoY	Bottom 0.0% in tier
Delinquency Rate	1.4% +37.7% YoY+16.5% QoQ	+0.6	0.8% +15.9% YoY	1.7% +18.9% YoY	1.2% -0.9% YoY	Top 11.8% in tier
Loan To Share	87.1% +0.4% YoY+0.6% QoQ	-3.8%	90.8% +2.0% YoY	60.8% -1.6% YoY	68.0% -1.7% YoY	30%
AMR	$28,423 +1.4% YoY-0.1% QoQ	$-665	$29,088 +0.1% YoY	$17,062 +2.3% YoY	$19,418 +1.3% YoY	49%
CD Concentration	48.5% -1.0% YoY-2.1% QoQ	+19.5%	29.0% +0.7% YoY	20.8% +2.9% YoY	19.6% +6.2% YoY	Top 3.4% in tier
Indirect Auto %	13.8% +7.5% YoY+7.2% QoQ	-5.0%	18.8% -3.0% YoY	5.4% -6.7% YoY	7.9% -2.9% YoY	44%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#10 of 246 • Top 1.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 9.44%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 1.02%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 13.76%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY

Organic Growth Leader

growth

#15 of 138 • Top 3.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 9.44%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 13.76%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY

Profitability Leader

growth

#89 of 95 • Top 93.6% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.02%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.10% points

(Tier: 0.07% points, National: 0.05% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY

Concerns (2)

Credit Risk Growth

risk

#10 of 161 • Bottom 1.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 11.20%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.40% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk

#31 of 217 • Bottom 3.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.40% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

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)

Compare against:

Comparing against 76 peers in tier

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 53.17%

Peer Avg: -

#1 of 76 Top 0.0% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 10.80%

Peer Avg: -

#3 of 76 Top 2.6% in 3B-5B tier

Member Growth Rate

growth

Value: 9.44%

Peer Avg: -

#7 of 76 Top 7.9% in 3B-5B tier

Deposit Growth Rate

growth

Value: 10.78%

Peer Avg: -

#14 of 76 Top 17.1% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 3.71%

Peer Avg: -

#16 of 76 Top 19.7% in 3B-5B tier

Loan Growth Rate

growth

Value: 11.20%

Peer Avg: -

#19 of 76 Top 23.7% in 3B-5B tier

Top Weaknesses (3 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 48.45%

Peer Avg: -

#73 of 76 Bottom 5.3% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 1.37%

Peer Avg: -

#70 of 76 Bottom 9.2% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.45%

Peer Avg: -

#68 of 76 Bottom 11.8% in 3B-5B tier