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 8 strengths but faces 6 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 4.5% in tier
  • + Organic Growth Leader: Top 12.8% in tier
  • + ROA 0.29% above tier average
  • + Net Interest Margin 0.63% above tier average
  • + Strong member growth: 9.7% YoY
  • + Efficiency Ratio: Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 2.6% in tier
  • + Member Growth Rate: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 4.3% in tier
  • - Credit Quality Pressure: Bottom 10.5% in tier
  • - Delinquency rate 1.00% above tier average
  • - Share Certificate Concentration (%): Bottom 5.3% in tier
  • - Net Charge-Off Rate: Bottom 6.6% in tier
  • - Total Delinquency Rate (60+ days): Bottom 7.9% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 212,184
+9.7% YoY+1.5% QoQ
 -18.2K 230,353
-2.9% YoY
 27,849
-7.3% YoY
 33,374
+5.7% YoY
 47%
Assets $3.6B
+8.9% YoY+1.6% QoQ
 $-291.4M $3.9B
+0.3% YoY
 $442.6M
+8.5% YoY
 $561.6M
+9.7% YoY
 37%
Loans $2.8B
+10.9% YoY+1.6% QoQ
 $-125.1M $2.9B
-0.2% YoY
 $260.4M
+7.2% YoY
 $397.0M
+8.8% YoY
 41%
Deposits $3.2B
+10.6% YoY+1.6% QoQ
 $-85.1M $3.3B
-0.3% YoY
 $387.0M
+6.9% YoY
 $477.3M
+9.7% YoY
 41%

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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%
+15.1% YoY-1.8% QoQ
 +0.3% 0.7%
+16.8% YoY
 0.7%
+32.7% YoY
 0.7%
+15.9% YoY
 70%
NIM 3.8%
+11.8% YoY+1.4% QoQ
 +0.6% 3.1%
+9.8% YoY
 3.7%
+4.6% YoY
 3.8%
+5.1% YoY
 Top 13.2% in tier
Efficiency Ratio 52.9%
-5.4% YoY-0.5% QoQ
 -18.5% 71.4%
-1.4% YoY
 78.3%
-5.6% YoY
 79.7%
-3.3% YoY
 Bottom 0.0% in tier
Delinquency Rate 1.9%
+38.0% YoY+29.4% QoQ
 +1.0 0.9%
+5.8% YoY
 1.7%
+25.2% YoY
 1.3%
-2.1% YoY
 Top 7.9% in tier
Loan To Share 87.1%
+0.3% YoY+0.0% QoQ
 -1.8% 88.9%
-0.2% YoY
 60.7%
-1.8% YoY
 67.4%
-1.7% YoY
 34%
AMR $28,446
+0.9% YoY+0.1% QoQ
 $-1K $29,682
+1.5% YoY
 $17,441
+4.4% YoY
 $19,687
+2.0% YoY
 47%
CD Concentration 48.1%
-2.1% YoY-0.8% QoQ
 +19.0% 29.0% 21.2% 19.8% Top 3.7% in tier
Indirect Auto % 13.8%
+9.7% YoY+0.4% QoQ
 -4.5% 18.3% 5.2% 7.8% 46%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#12 of 247 • Top 4.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 9.71%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Return on Assets: 1.01%
(Tier: 0.69%, National: 0.67%)
better than tier avg
Indirect Auto %: 13.81%
(Tier: 18.31%, National: 7.78%)
better than tier avg
247 of 378 Mid-Market CUs have this signature | 913 nationally
→ No prior data (247 CUs now) | New qualifier

Organic Growth Leader

growth
#19 of 142 • Top 12.8% in tier

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

Why This Signature
Member Growth (YoY): 9.71%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Indirect Auto %: 13.81%
(Tier: 18.31%, National: 7.78%)
better than tier avg
142 of 378 Mid-Market CUs have this signature | 609 nationally
→ No prior data (142 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk
#8 of 164 • Bottom 4.3% in tier

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

Why This Signature
Loan Growth (YoY): 10.88%
(Tier: 6.38%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 0.51% points
(Tier: 0.06% points, National: 0.06% points)
worse than tier avg
164 of 378 Mid-Market CUs have this signature | 665 nationally
→ No prior data (164 CUs now) | New qualifier

Credit Quality Pressure

risk
#23 of 211 • Bottom 10.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.51% points
(Tier: 0.06% points, National: 0.06% points)
worse than tier avg
211 of 378 Mid-Market CUs have this signature | 969 nationally
↓ Shrinking -59 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)

Comparing against 76 peers in tier

Top Strengths (6 metrics)

1
Efficiency Ratio
profitability
Value: 52.91%
Peer Median: -
#1 of 76 Top 0.0% in 3B-5B tier
3
First Mortgage Concentration (%)
balance_sheet
Value: 11.01%
Peer Median: -
#3 of 76 Top 2.6% in 3B-5B tier
8
Member Growth Rate
growth
Value: 9.71%
Peer Median: -
#8 of 76 Top 9.2% in 3B-5B tier
10
Net Interest Margin (NIM)
profitability
Value: 3.77%
Peer Median: -
#10 of 76 Top 11.8% in 3B-5B tier
14
Deposit Growth Rate
growth
Value: 10.56%
Peer Median: -
#14 of 76 Top 17.1% in 3B-5B tier
17
Loan Growth Rate
growth
Value: 10.88%
Peer Median: -
#17 of 76 Top 21.1% in 3B-5B tier

Top Weaknesses (3 metrics)

73
Share Certificate Concentration (%)
balance_sheet
Value: 48.07%
Peer Median: -
#73 of 76 Bottom 5.3% in 3B-5B tier
72
Net Charge-Off Rate
risk
Value: 1.29%
Peer Median: -
#72 of 76 Bottom 6.6% in 3B-5B tier
71
Total Delinquency Rate (60+ days)
risk
Value: 1.87%
Peer Median: -
#71 of 76 Bottom 7.9% in 3B-5B tier
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