BlastPoint's Credit Union Scorecard

ALL IN

Charter #17642 · AL

Mid-Market 3B-5B
78 CUs in 3B-5B nationally 2 in AL
View Mid-Market leaderboard →

ALL IN has 8 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 Leader: Top 9.7% in tier
  • + Organic Growth Engine: Top 9.7% in tier
  • + ROA 0.35% above tier average
  • + Net Interest Margin 0.75% above tier average
  • + Strong member growth: 8.5% YoY
  • + Efficiency Ratio: Top 2.6% in tier
  • + First Mortgage Concentration (%): Top 2.6% in tier
  • + Member Growth Rate: Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 7.9% in tier
  • - Credit Risk Growth: Bottom 20.3% in tier
  • - Delinquency rate 0.96% above tier average
  • - Share Certificate Concentration (%): Bottom 2.6% in tier
  • - Total Delinquency Rate (60+ days): Bottom 5.1% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 214,593
+8.5% YoY+1.1% QoQ
 -5.8K 220,435
-7.6% YoY
 28,055
-6.4% YoY
 33,913
+5.7% YoY
 53%
Assets $3.7B
+6.6% YoY+1.8% QoQ
 $-199.4M $3.9B
-1.5% YoY
 $451.2M
+7.2% YoY
 $578.3M
+9.0% YoY
 41%
Loans $2.8B
+10.8% YoY+1.1% QoQ
 $-52.8M $2.9B
-1.1% YoY
 $260.3M
+6.6% YoY
 $402.4M
+8.7% YoY
 45%
Deposits $3.3B
+7.4% YoY+1.1% QoQ
 $-38.0M $3.3B
-2.5% YoY
 $395.2M
+6.0% YoY
 $494.3M
+9.1% YoY
 42%

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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 1.1%
+10.3% YoY+7.4% QoQ
 +0.3% 0.7%
+10.6% YoY
 0.6%
-14.6% YoY
 0.4%
-39.2% YoY
 73%
NIM 4.0%
+10.8% YoY+5.1% QoQ
 +0.8% 3.2%
+4.6% YoY
 3.7%
+0.6% YoY
 3.8%
+4.1% YoY
 Top 9.0% in tier
Efficiency Ratio 53.4%
+0.9% YoY+0.9% QoQ
 -17.9% 71.3%
-2.6% YoY
 80.4%
-0.1% YoY
 84.6%
+2.8% YoY
 Top 2.6% in tier
Delinquency Rate 1.7%
+36.2% YoY-8.9% QoQ
 +1.0 0.7%
+9.2% YoY
 1.6%
+17.5% YoY
 1.2%
+3.4% YoY
 Bottom 5.1% in tier
Loan To Share 87.1%
+3.2% YoY+0.0% QoQ
 -0.9% 88.0%
+0.9% YoY
 59.2%
-1.1% YoY
 65.6%
-1.4% YoY
 36%
AMR $28,427
+0.4% YoY-0.1% QoQ
 $-2K $30,672
+5.5% YoY
 $17,504
+3.5% YoY
 $19,920
+1.6% YoY
 45%
CD Concentration 48.0%
-2.3% YoY-0.1% QoQ
 +19.2% 28.8% 21.3% 19.8% Top 2.6% in tier
Indirect Auto % 13.7%
+8.7% YoY-0.7% QoQ
 -4.4% 18.1% 5.1% 7.7% 45%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#19 of 116 • Top 9.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 8.49%
(Tier: 3.50%, National: 10.19%)
better than tier avg
Indirect Auto %: 13.72%
(Tier: 18.07%, National: 7.73%)
better than tier avg
116 of 384 Mid-Market CUs have this signature | 518 nationally
→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth
#20 of 115 • Top 9.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 8.49%
(Tier: 3.50%, National: 10.19%)
better than tier avg
Return on Assets: 1.08%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 13.72%
(Tier: 18.07%, National: 7.73%)
better than tier avg
115 of 384 Mid-Market CUs have this signature | 499 nationally
→ No prior data (115 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk
#12 of 183 • Bottom 20.3% in tier

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

Why This Signature
Loan Growth (YoY): 10.76%
(Tier: 6.71%, National: 1.74%)
but better than tier avg
Delinquency Change (YoY): 0.45% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
183 of 384 Mid-Market CUs have this signature | 710 nationally
→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk
#30 of 225 • Bottom 7.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.45% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
225 of 384 Mid-Market CUs have this signature | 1013 nationally
→ Stable (228→225 CUs) -3 CUs YoY

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)

Comparing against 78 peers in tier

Top Strengths (5 metrics)

3
Efficiency Ratio
profitability
Value: 53.37%
Peer Median: 69.26%
#3 of 78 Top 2.6% in 3B-5B tier
3
First Mortgage Concentration (%)
balance_sheet
Value: 11.31%
Peer Median: 32.80%
#3 of 78 Top 2.6% in 3B-5B tier
7
Net Interest Margin (NIM)
profitability
Value: 3.96%
Peer Median: 3.23%
#7 of 78 Top 7.7% in 3B-5B tier
7
Member Growth Rate
growth
Value: 8.49%
Peer Median: 3.36%
#7 of 78 Top 7.7% in 3B-5B tier
18
Loan Growth Rate
growth
Value: 10.76%
Peer Median: 5.73%
#18 of 78 Top 21.8% in 3B-5B tier

Top Weaknesses (3 metrics)

77
Share Certificate Concentration (%)
balance_sheet
Value: 48.01%
Peer Median: 31.76%
#77 of 78 Bottom 2.6% in 3B-5B tier
75
Total Delinquency Rate (60+ days)
risk
Value: 1.71%
Peer Median: 0.54%
#75 of 78 Bottom 5.1% in 3B-5B tier
71
Net Charge-Off Rate
risk
Value: 1.42%
Peer Median: 0.46%
#71 of 78 Bottom 10.3% in 3B-5B tier
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