BlastPoint's Credit Union Scorecard
ANDALUSIA MILLS EMPLOYEES CREDIT AS
Charter #23990 · AL
ANDALUSIA MILLS EMPLOYEES CREDIT AS has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Member Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Loan-to-Member Ratio (LMR): Bottom 5.6% in tier
- - Average Member Relationship (AMR): Bottom 5.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 52 that size in Alabama.
- Shares and deposits +3.5% year over year ($2.5M in shares and deposits).
- Membership: 884 members, +3.6% vs a year ago.
- Delinquency rate 0.35%.
- Return on assets 0.81%.
- Efficiency ratio 83.88% vs a 88.77% peer average.
- Loan-to-share ratio 33.38% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
884
+3.6% YoY-0.3% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
25% |
| Assets |
$3.2M
+3.5% YoY+1.7% QoQ
|
$-27.1M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 13.4% in tier |
| Loans |
$848,992
-9.0% YoY-3.6% QoQ
|
$-14.6M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.3% in tier |
| Deposits |
$2.5M
+3.5% YoY+1.8% QoQ
|
$-23.3M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.4% in tier |
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| ROA |
0.8%
+42.8% YoY-5.7% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
50% |
| NIM |
3.9%
-5.1% YoY+2.2% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
52% |
| Efficiency Ratio |
83.9%
-6.7% YoY-1.1% QoQ
|
-4.9% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
58% |
| Delinquency Rate |
0.3%
-14.5% YoY-22.3% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
34% |
| Loan To Share |
33.4%
-12.1% YoY-5.4% QoQ
|
-25.5% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 14.7% in tier |
| AMR |
$3,837
-3.5% YoY+0.8% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.8% in tier |
| CD Concentration |
25.0%
+29.4% YoY+18.7% QoQ
|
+0.5% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 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)