BlastPoint's Credit Union Scorecard
SYCAMORE
Charter #5241 · AL
SYCAMORE has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.44% above tier average
- + Loan-to-Member Ratio (LMR): Top 0.5% in tier
- + Average Member Relationship (AMR): Top 0.9% in tier
- + Asset Growth Rate: Top 1.0% in tier
- + Deposit Growth Rate: Top 1.1% in tier
- + Fee Income Per Member: Top 1.9% in tier
- + AMR Growth Rate: Top 3.3% in tier
- + Total Loans: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 4.0% 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 +22.2% year over year ($64.3M in shares and deposits).
- Membership: 2,830 members, -0.1% vs a year ago.
- Delinquency rate 0.89%.
- Return on assets 1.94%.
- Efficiency ratio 48.39% vs a 88.77% peer average.
- Loan-to-share ratio 84.79% 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 |
2,830
-0.1% YoY+0.2% QoQ
|
+244 |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
66% |
| Assets |
$77.1M
+20.4% YoY+5.0% QoQ
|
+$46.8M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
Top 9.1% in tier |
| Loans |
$54.5M
+15.2% YoY+2.1% QoQ
|
+$39.1M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
Top 3.6% in tier |
| Deposits |
$64.3M
+22.2% YoY+5.3% QoQ
|
+$38.5M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
Top 9.9% in tier |
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| ROA |
1.9%
+9.6% YoY+10.0% QoQ
|
+0.4% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
Top 10.5% in tier |
| NIM |
3.2%
-1.8% YoY+9.8% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
24% |
| Efficiency Ratio |
48.4%
-11.7% YoY-9.0% QoQ
|
-40.4% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
Top 3.8% in tier |
| Delinquency Rate |
0.9%
-29.4% YoY+9.4% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
57% |
| Loan To Share |
84.8%
-5.7% YoY-3.0% QoQ
|
+25.9% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Top 14.4% in tier |
| AMR |
$42,007
+19.1% YoY+3.6% QoQ
|
+$27K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
Top 0.9% in tier |
| CD Concentration | 0.0% | -24.6% | 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)