BlastPoint's Credit Union Scorecard

TUSKEGEE

Charter #2791 · AL

<100M

2508 CUs in <100M nationally 53 in AL

TUSKEGEE faces 6 concerns requiring attention

National Analysis

How does the industry compare?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.65% below tier average
- Efficiency ratio 20.42% above tier (higher cost structure)
- Delinquency rate 2.99% above tier average
- Net Worth Ratio: Bottom 0.4% in tier
- Total Delinquency Rate (60+ days): Bottom 6.7% in tier
- First Mortgage Concentration (%): Bottom 7.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	2,055 +0.7% YoY+0.2% QoQ	-621	2,676 +1.6% YoY	28,055 -6.4% YoY	33,913 +5.7% YoY	53%
Assets	$11.7M -2.8% YoY-0.6% QoQ	$-18.5M	$30.2M +1.3% YoY	$451.2M +7.2% YoY	$578.3M +9.0% YoY	35%
Loans	$7.0M +6.8% YoY+2.2% QoQ	$-8.3M	$15.3M -2.0% YoY	$260.3M +6.6% YoY	$402.4M +8.7% YoY	42%
Deposits	$11.1M -2.3% YoY-0.6% QoQ	$-14.6M	$25.8M +0.7% YoY	$395.2M +6.0% YoY	$494.3M +9.1% YoY	38%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.5% +200.2% YoY+18.7% QoQ	-0.7%	0.1% -77.6% YoY	0.6% -14.6% YoY	0.4% -39.2% YoY	Bottom 13.2% in tier
NIM	3.6% -15.8% YoY-9.9% QoQ	-0.4%	4.0% +4.0% YoY	3.7% +0.6% YoY	3.8% +4.1% YoY	39%
Efficiency Ratio	111.1% +7.4% YoY+13.4% QoQ	+20.4%	90.6% +6.5% YoY	80.4% -0.1% YoY	84.6% +2.8% YoY	Bottom 9.1% in tier
Delinquency Rate	4.5% -26.9% YoY+75.6% QoQ	+3.0	1.5% +3.8% YoY	1.6% +17.5% YoY	1.2% +3.4% YoY	Bottom 6.7% in tier
Loan To Share	62.9% +9.4% YoY+2.8% QoQ	+4.4%	58.5% -3.0% YoY	59.2% -1.1% YoY	65.6% -1.4% YoY	56%
AMR	$8,834 +0.3% YoY+0.2% QoQ	$-6K	$14,884 -1.7% YoY	$17,504 +3.5% YoY	$19,920 +1.6% YoY	22%
CD Concentration	21.3% -3.7% YoY-0.5% QoQ	-3.0%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

336

Members Per Employee (MPE)

engagement

Value: 513.750

Peer Median: 333.750

#336 of 2508 Top 13.4% in <100M tier

385

Loan Growth Rate

growth

Value: 6.83%

Peer Median: -2.36%

#385 of 2508 Top 15.3% in <100M tier

Top Weaknesses (8 metrics)

2499

Net Worth Ratio

risk

Value: 3.92%

Peer Median: 14.28%

#2499 of 2508 Bottom 0.4% in <100M tier

2340

Total Delinquency Rate (60+ days)

risk

Value: 4.50%

Peer Median: 0.65%

#2340 of 2508 Bottom 6.7% in <100M tier

2317

First Mortgage Concentration (%)

balance_sheet

Value: 51.37%

Peer Median: 3.66%

#2317 of 2508 Bottom 7.7% in <100M tier

2282

Efficiency Ratio

profitability

Value: 111.06%

Peer Median: 81.45%

#2282 of 2508 Bottom 9.1% in <100M tier

2238

Net Charge-Off Rate

risk

Value: 1.27%

Peer Median: 0.07%

#2238 of 2508 Bottom 10.8% in <100M tier

2178

Return on Assets (ROA)

profitability

Value: -0.51%

Peer Median: 0.61%

#2178 of 2508 Bottom 13.2% in <100M tier

1952

Average Member Relationship (AMR)

engagement

Value: $8,834

Peer Median: $13,926

#1952 of 2508 Bottom 22.2% in <100M tier

1922

Asset Growth Rate

growth

Value: -2.84%

Peer Median: 1.30%

#1922 of 2508 Bottom 23.4% in <100M tier