BlastPoint's Credit Union Scorecard
TUSKEGEE
Charter #2791 · AL
TUSKEGEE has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.00% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.05% below tier average
- - Efficiency ratio 15.39% above tier (higher cost structure)
- - Delinquency rate 1.01% above tier average
- - Net Worth Ratio: Bottom 0.4% in tier
- - First Mortgage Concentration (%): Bottom 6.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,050
-0.3% YoY-3.7% QoQ
|
-565 |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$11.8M
+2.8% YoY-0.0% QoQ
|
$-18.4M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$6.9M
-0.0% YoY+1.4% QoQ
|
$-8.9M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$11.2M
+3.5% YoY-0.1% QoQ
|
$-14.5M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
-0.4%
+304.8% YoY-50.9% QoQ
|
-1.0% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.9% in tier |
| NIM |
4.0%
-6.5% YoY+0.4% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
97.9%
+2.0% YoY-6.0% QoQ
|
+15.4% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
Top 13.6% in tier |
| Delinquency Rate |
2.6%
-42.5% YoY-29.7% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
61.2%
-3.5% YoY+1.6% QoQ
|
+0.6% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$8,815
+2.5% YoY+4.3% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
21.4%
-8.0% YoY+0.6% QoQ
|
-3.0% | 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)