BlastPoint's Credit Union Scorecard
GLOBAL
Charter #5913 · AK
GLOBAL has 1 strength but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does AK stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.17% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 16.0% in tier
- - Liquidity Strain: Bottom 28.0% in tier
- - Indirect Auto Dependency: Bottom 96.0% in tier
- - Shrinking Wallet Share: Bottom 100.0% in tier
- - ROA 0.55% below tier average
- - Efficiency ratio 16.31% above tier (higher cost structure)
- - Delinquency rate 0.40% above tier average
- - AMR Growth Rate: 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 25 credit unions with $10B+ in assets nationally, and 1 of 1 that size in Alaska.
- Shares and deposits -0.1% year over year ($11.3B in shares and deposits).
- Membership: 808,644 members, +2.3% vs a year ago.
- Delinquency rate 1.42%.
- Return on assets 0.48%.
- Efficiency ratio 77.88% vs a 61.57% peer average.
- Loan-to-share ratio 93.33% vs a 87.50% 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 (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
808,644
+2.3% YoY+0.8% QoQ
|
-863.3K |
1,671,910
-4.2% YoY
|
129,879
+14.6% YoY
|
34,678
+6.6% YoY
|
36% |
| Assets |
$13.0B
-0.4% YoY+1.1% QoQ
|
$-14.7B |
$27.7B
+0.2% YoY
|
$2.1B
+12.8% YoY
|
$593.1M
+10.2% YoY
|
24% |
| Loans |
$10.5B
-2.7% YoY+0.1% QoQ
|
$-9.5B |
$20.0B
-0.9% YoY
|
$1.6B
+10.6% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$11.3B
-0.1% YoY-1.0% QoQ
|
$-12.3B |
$23.5B
+0.4% YoY
|
$1.8B
+13.3% YoY
|
$504.8M
+10.3% YoY
|
32% |
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| ROA |
0.5%
+683.8% YoY+13.0% QoQ
|
-0.5% |
1.0%
+45.0% YoY
|
0.7%
+29.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 8.0% in tier |
| NIM |
3.4%
+4.9% YoY+0.8% QoQ
|
+0.2% |
3.2%
+5.4% YoY
|
4.1%
+0.6% YoY
|
3.8%
+2.3% YoY
|
64% |
| Efficiency Ratio |
77.9%
-6.4% YoY-1.5% QoQ
|
+16.3% |
61.6%
-6.2% YoY
|
78.7%
-1.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.0% in tier |
| Delinquency Rate |
1.4%
+23.6% YoY+16.0% QoQ
|
+0.4 |
1.0%
-2.7% YoY
|
0.9%
+11.4% YoY
|
1.3%
+2.6% YoY
|
76% |
| Loan To Share |
93.3%
-2.6% YoY+1.1% QoQ
|
+5.8% |
87.5%
-3.0% YoY
|
75.1%
-3.8% YoY
|
66.4%
-1.4% YoY
|
72% |
| AMR |
$26,941
-3.6% YoY-1.3% QoQ
|
$-6K |
$32,850
+5.7% YoY
|
$26,986
+6.1% YoY
|
$20,028
-0.9% YoY
|
36% |
| CD Concentration |
26.3%
+3.9% YoY+2.9% QoQ
|
-3.9% | 30.2% | 21.4% | 20.0% | 24% |
| Indirect Auto % |
36.2%
+2.3% YoY+0.0% QoQ
|
+21.2% | 15.0% | 16.9% | 7.7% | Bottom 4.0% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)