BlastPoint's Credit Union Scorecard
MEAD COATED BOARD
Charter #18192 · AL
MEAD COATED BOARD has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 6.3% in tier
- + Member Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Efficiency ratio 3.39% above tier (higher cost structure)
- - Delinquency rate 6.34% above tier average
- - Net Interest Margin (NIM): Bottom 1.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.9% in tier
- - AMR Growth Rate: 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 |
1,568
+4.5% YoY+4.2% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$40.6M
-6.4% YoY-2.7% QoQ
|
+$10.4M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$10.4M
-1.1% YoY+1.2% QoQ
|
$-5.3M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$31.5M
-5.7% YoY-3.6% QoQ
|
+$5.8M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
67% |
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| ROA |
0.2%
-293.3% YoY+44.1% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
1.1%
+4.8% YoY+10.3% QoQ
|
-2.8% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.1% in tier |
| Efficiency Ratio |
85.9%
-21.6% YoY-3.8% QoQ
|
+3.4% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
7.9%
+86.3% YoY+12.1% QoQ
|
+6.3 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 2.9% in tier |
| Loan To Share |
33.1%
+4.8% YoY+5.0% QoQ
|
-27.5% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.7% in tier |
| AMR |
$26,711
-8.7% YoY-6.4% QoQ
|
+$12K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
Top 6.4% 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)
Concerns (0)
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)