BlastPoint's Credit Union Scorecard
ANDALUSIA MILLS EMPLOYEES CREDIT AS
Charter #23990 · AL
ANDALUSIA MILLS EMPLOYEES CREDIT AS has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.07% above tier average
- + Strong member growth: 5.1% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.8% in tier
- + Deposit Growth Rate: Top 5.4% in tier
- + Member Growth Rate: Top 5.9% in tier
- + Asset Growth Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.89% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 5.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
867
+5.1% YoY+0.5% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$3.0M
+10.9% YoY-5.7% QoQ
|
$-27.1M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.9% in tier |
| Loans |
$914,664
-6.0% YoY+8.1% QoQ
|
$-14.8M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.6% in tier |
| Deposits |
$2.4M
+13.1% YoY-7.5% QoQ
|
$-23.3M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.2% in tier |
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| ROA |
0.7%
+91.5% YoY-13.1% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
51% |
| NIM |
3.7%
-17.7% YoY-6.5% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
88.4%
+2.6% YoY+0.5% QoQ
|
+5.9% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.2%
-70.9% YoY-82.6% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
38.5%
-16.9% YoY+16.8% QoQ
|
-22.1% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$3,797
+1.9% YoY-4.1% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.7% in tier |
| CD Concentration |
24.8%
+11.1% YoY+30.9% QoQ
|
+0.4% | 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)