BlastPoint's Credit Union Scorecard
ALL IN
Charter #17642 · AL
ALL IN has 6 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does AL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 22.3% in tier
- + Organic Growth Leader: Top 22.3% in tier
- + ROA 0.23% above tier average
- + Net Interest Margin 0.82% above tier average
- + Efficiency Ratio: Top 2.6% in tier
- + First Mortgage Concentration (%): Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.4% in tier
- - Credit Risk Growth: Bottom 44.6% in tier
- - Delinquency rate 0.92% above tier average
- - Share Certificate Concentration (%): Bottom 2.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.8% in tier
- - Net Charge-Off Rate: Bottom 7.8% 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 77 credit unions with $3B-$5B in assets nationally, and 1 of 2 that size in Alabama.
- Shares and deposits +5.0% year over year ($3.26B in shares and deposits).
- Membership: 214,129 members, +5.0% vs a year ago.
- Delinquency rate 1.76%.
- Return on assets 1.16%.
- Efficiency ratio 51.96% vs a 69.45% peer average.
- Loan-to-share ratio 88.02% vs a 90.24% 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 |
214,129
+5.0% YoY-0.2% QoQ
|
-2.4K |
216,545
-9.5% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$3.7B
+4.5% YoY+0.5% QoQ
|
$-167.3M |
$3.9B
-1.6% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
43% |
| Loans |
$2.9B
+6.8% YoY+1.2% QoQ
|
$-58.0M |
$2.9B
-1.2% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
46% |
| Deposits |
$3.3B
+5.0% YoY+0.1% QoQ
|
+$6.8M |
$3.3B
-2.6% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
1.2%
+24.6% YoY+7.4% QoQ
|
+0.2% |
0.9%
+25.3% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
4.1%
+11.6% YoY+2.5% QoQ
|
+0.8% |
3.2%
+3.8% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
Top 9.1% in tier |
| Efficiency Ratio |
52.0%
-5.3% YoY-2.6% QoQ
|
-17.5% |
69.5%
-2.3% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
Top 2.6% in tier |
| Delinquency Rate |
1.8%
+41.6% YoY+3.1% QoQ
|
+0.9 |
0.8%
+5.5% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.8% in tier |
| Loan To Share |
88.0%
+1.7% YoY+1.0% QoQ
|
-2.2% |
90.2%
+0.9% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
31% |
| AMR |
$28,661
+0.8% YoY+0.8% QoQ
|
$-2K |
$31,018
+6.9% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
46% |
| CD Concentration |
48.5%
-2.0% YoY+1.0% QoQ
|
+19.4% | 29.1% | 21.8% | 20.0% | Top 2.9% in tier |
| Indirect Auto % |
13.7%
+6.5% YoY-0.4% QoQ
|
-4.4% | 18.1% | 5.2% | 7.7% | 45% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)