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 1.33% 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 0.8% in tier
- + Average Member Relationship (AMR): Top 1.4% in tier
- + Deposit Growth Rate: Top 2.0% in tier
- + Asset Growth Rate: Top 2.3% in tier
- + Fee Income Per Member: Top 2.6% in tier
- + AMR Growth Rate: Top 4.8% in tier
- + Efficiency Ratio: Top 4.9% in tier
- + Total Loans: Top 5.0% in tier
- + Loan Growth Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 4.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,818
+1.5% YoY+0.1% QoQ
|
+202 |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$69.7M
+18.0% YoY+4.7% QoQ
|
+$39.5M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
Top 12.7% in tier |
| Loans |
$51.2M
+13.2% YoY+4.5% QoQ
|
+$35.4M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Top 5.1% in tier |
| Deposits |
$57.7M
+19.2% YoY+5.1% QoQ
|
+$32.0M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Top 13.6% in tier |
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| ROA |
1.9%
+10.7% YoY+4.0% QoQ
|
+1.3% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Top 7.6% in tier |
| NIM |
3.3%
+2.2% YoY+0.7% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
50.9%
-9.4% YoY-2.5% QoQ
|
-31.6% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.9% in tier |
| Delinquency Rate |
0.5%
-59.2% YoY-34.0% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
88.7%
-5.1% YoY-0.6% QoQ
|
+28.1% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Top 11.5% in tier |
| AMR |
$38,623
+14.5% YoY+4.7% QoQ
|
+$24K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
Top 1.4% in tier |
| CD Concentration | 0.0% | -24.4% | 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)