BlastPoint's Credit Union Scorecard
MEAD COATED BOARD
Charter #18192 · AL
MEAD COATED BOARD has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.62% above tier average
- + Average Member Relationship (AMR): Top 6.4% in tier
- + Member Growth Rate: Top 8.0% in tier
- + Efficiency Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.27% above tier average
- - Net Interest Margin (NIM): Bottom 2.6% in tier
- - Net Charge-Off Rate: Bottom 2.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.9% in tier
- - AMR Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,569
+4.2% YoY+0.1% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
42% |
| Assets |
$40.5M
-3.2% YoY-0.2% QoQ
|
+$10.3M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
70% |
| Loans |
$10.2M
-4.9% YoY-1.9% QoQ
|
$-5.1M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
52% |
| Deposits |
$31.3M
-4.6% YoY-0.5% QoQ
|
+$5.5M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
66% |
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| ROA |
0.8%
-911.6% YoY+341.0% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
58% |
| NIM |
1.7%
+113.8% YoY+49.5% QoQ
|
-2.3% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio |
57.0%
-48.4% YoY-33.7% QoQ
|
-33.6% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
Top 9.3% in tier |
| Delinquency Rate |
6.8%
+21.4% YoY-14.2% QoQ
|
+5.3 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.9% in tier |
| Loan To Share |
32.6%
-0.3% YoY-1.5% QoQ
|
-25.9% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 14.0% in tier |
| AMR |
$26,466
-8.5% YoY-0.9% QoQ
|
+$12K |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
Top 6.4% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 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)