BlastPoint's Credit Union Scorecard
TUSKEGEE
Charter #2791 · AL
TUSKEGEE has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.55% below tier average
- - Efficiency ratio 22.78% above tier (higher cost structure)
- - Delinquency rate 2.13% above tier average
- - Net Worth Ratio: Bottom 0.3% in tier
- - First Mortgage Concentration (%): Bottom 6.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,129
+3.9% YoY+3.4% QoQ
|
-496 |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
54% |
| Assets |
$11.8M
-4.2% YoY-0.5% QoQ
|
$-18.1M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
36% |
| Loans |
$6.8M
-2.0% YoY-0.9% QoQ
|
$-9.0M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
41% |
| Deposits |
$11.2M
-0.0% YoY+0.3% QoQ
|
$-14.2M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
39% |
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| ROA |
-0.9%
+623.0% YoY-352.6% QoQ
|
-1.6% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.1% in tier |
| NIM |
3.9%
-4.4% YoY-1.8% QoQ
|
+0.0% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
52% |
| Efficiency Ratio |
104.2%
+10.3% YoY+12.0% QoQ
|
+22.8% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 8.9% in tier |
| Delinquency Rate |
3.6%
-32.5% YoY-10.3% QoQ
|
+2.1 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Top 9.5% in tier |
| Loan To Share |
60.3%
-2.0% YoY-1.2% QoQ
|
-0.9% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$8,448
-4.5% YoY-3.5% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
22% |
| CD Concentration |
21.3%
-4.9% YoY-6.0% QoQ
|
-3.1% |
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)