BlastPoint's Credit Union Scorecard
MEAD COATED BOARD
Charter #18192 · AL
MEAD COATED BOARD has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 4.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.56% below tier average
- - Efficiency ratio 7.99% above tier (higher cost structure)
- - Delinquency rate 5.53% above tier average
- - Net Interest Margin (NIM): Bottom 0.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,505
+0.3% YoY-0.3% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
40% |
| Assets |
$41.7M
-6.4% YoY-0.6% QoQ
|
+$11.9M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
71% |
| Loans |
$10.3M
-0.4% YoY-2.7% QoQ
|
$-5.5M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
52% |
| Deposits |
$32.6M
-6.4% YoY-0.8% QoQ
|
+$7.2M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
68% |
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| ROA |
0.1%
-176.4% YoY+39.1% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
20% |
| NIM |
1.0%
+0.7% YoY+2.9% QoQ
|
-2.9% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.8% in tier |
| Efficiency Ratio |
89.4%
-25.3% YoY-3.0% QoQ
|
+8.0% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
76% |
| Delinquency Rate |
7.0%
+58.7% YoY+25.6% QoQ
|
+5.5 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Top 3.6% in tier |
| Loan To Share |
31.5%
+6.4% YoY-2.0% QoQ
|
-29.7% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.2% in tier |
| AMR |
$28,523
-5.3% YoY-1.0% QoQ
|
+$14K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Top 5.0% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
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)