BlastPoint's Credit Union Scorecard
ANDALUSIA MILLS EMPLOYEES CREDIT AS
Charter #23990 · AL
ANDALUSIA MILLS EMPLOYEES CREDIT AS has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Net Interest Margin 0.06% above tier average
- + Strong member growth: 6.3% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.6% in tier
- + Member Growth Rate: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 6.58% above tier (higher cost structure)
- - Loan-to-Member Ratio (LMR): Bottom 5.9% in tier
- - Average Member Relationship (AMR): Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
863
+6.3% YoY+1.2% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
25% |
| Assets |
$3.2M
+3.1% YoY+3.8% QoQ
|
$-26.6M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.8% in tier |
| Loans |
$846,219
-12.8% YoY-9.3% QoQ
|
$-14.9M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.3% in tier |
| Deposits |
$2.6M
+3.0% YoY+4.6% QoQ
|
$-22.9M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.9% in tier |
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| ROA |
0.8%
-2651.7% YoY+40.7% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
4.0%
-9.6% YoY-3.1% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
54% |
| Efficiency Ratio |
88.0%
+2.3% YoY-2.2% QoQ
|
+6.6% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
73% |
| Delinquency Rate |
1.1%
+66.7% YoY+181.3% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
65% |
| Loan To Share |
32.9%
-15.3% YoY-13.3% QoQ
|
-28.3% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.4% in tier |
| AMR |
$3,958
-7.3% YoY-0.4% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.2% in tier |
| CD Concentration |
18.9%
+2.1% YoY-2.1% QoQ
|
-5.5% |
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)