BlastPoint's Credit Union Scorecard
SYCAMORE
Charter #5241 · AL
SYCAMORE has 12 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.19% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.0% in tier
- + Average Member Relationship (AMR): Top 1.5% in tier
- + Fee Income Per Member: Top 3.2% in tier
- + Deposit Growth Rate: Top 3.5% in tier
- + Asset Growth Rate: Top 3.6% in tier
- + Total Loans: Top 5.9% in tier
- + AMR Growth Rate: Top 6.7% in tier
- + Efficiency Ratio: Top 7.4% in tier
- + Loan Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 4.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,814
+1.7% YoY-0.7% QoQ
|
+188 |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$66.5M
+14.3% YoY+3.9% QoQ
|
+$36.7M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Top 13.6% in tier |
| Loans |
$49.0M
+12.6% YoY+3.4% QoQ
|
+$33.2M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
Top 5.9% in tier |
| Deposits |
$54.9M
+15.3% YoY+4.2% QoQ
|
+$29.4M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
85% |
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| ROA |
1.9%
+4.4% YoY+5.9% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Top 11.4% in tier |
| NIM |
3.3%
-0.4% YoY-0.3% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
27% |
| Efficiency Ratio |
52.3%
-7.4% YoY-4.6% QoQ
|
-29.1% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 7.4% in tier |
| Delinquency Rate |
0.8%
-39.2% YoY-36.2% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
56% |
| Loan To Share |
89.2%
-2.3% YoY-0.8% QoQ
|
+28.0% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Top 11.8% in tier |
| AMR |
$36,893
+12.1% YoY+4.6% QoQ
|
+$22K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Top 1.5% in tier |
| CD Concentration | 0.0% | -24.4% |
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)