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 1.61% above tier average
- + Loan-to-Member Ratio (LMR): Top 0.6% in tier
- + Average Member Relationship (AMR): Top 1.2% in tier
- + Fee Income Per Member: Top 1.3% in tier
- + Deposit Growth Rate: Top 1.8% in tier
- + Asset Growth Rate: Top 1.9% in tier
- + Total Loans: Top 3.5% in tier
- + AMR Growth Rate: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 4.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,823
+1.0% YoY+0.2% QoQ
|
+146 |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
65% |
| Assets |
$73.5M
+17.4% YoY+5.4% QoQ
|
+$43.3M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
Top 10.6% in tier |
| Loans |
$53.4M
+15.3% YoY+4.4% QoQ
|
+$38.1M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
Top 3.5% in tier |
| Deposits |
$61.1M
+18.8% YoY+5.9% QoQ
|
+$35.3M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Top 11.6% in tier |
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| ROA |
1.8%
+6.4% YoY-9.6% QoQ
|
+1.6% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
Top 9.8% in tier |
| NIM |
2.9%
-6.1% YoY-10.9% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
17% |
| Efficiency Ratio |
53.2%
-4.6% YoY+4.4% QoQ
|
-37.5% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
Top 6.2% in tier |
| Delinquency Rate |
0.8%
-45.3% YoY+53.5% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
58% |
| Loan To Share |
87.4%
-2.9% YoY-1.4% QoQ
|
+28.9% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
Top 9.9% in tier |
| AMR |
$40,554
+16.0% YoY+5.0% QoQ
|
+$26K |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
Top 1.2% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 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)