BlastPoint's Credit Union Scorecard

GLOBAL

Charter #5913 · AK

Titans 10B+

24 CUs in 10B+ nationally 1 in AK

View Titans leaderboard →

GLOBAL has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Titans Tier

What's your peer group doing?

AK Analysis

How does AK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 20.8% in tier
+ Net Interest Margin 0.19% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 25.0% in tier
- Credit Quality Pressure: Bottom 25.0% in tier
- Liquidity Strain: Bottom 29.2% in tier
- Credit Risk Growth: Bottom 37.5% in tier
- ROA 0.47% below tier average
- Efficiency ratio 15.19% above tier (higher cost structure)
- Delinquency rate 0.32% above tier average
- Indirect Auto Concentration (%): Bottom 4.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Members	801,895 +3.5% YoY+0.9% QoQ	-910.7K	1,712,610 -8.0% YoY	114,751 +3.4% YoY	33,913 +5.7% YoY	38%
Assets	$12.9B +10.7% YoY-0.1% QoQ	$-15.3B	$28.2B -3.2% YoY	$1.8B +8.8% YoY	$578.3M +9.0% YoY	21%
Loans	$10.5B +8.6% YoY-0.5% QoQ	$-9.6B	$20.2B -4.4% YoY	$1.4B +7.7% YoY	$402.4M +8.7% YoY	25%
Deposits	$11.4B +12.1% YoY+0.3% QoQ	$-12.7B	$24.1B -2.9% YoY	$1.6B +10.3% YoY	$494.3M +9.1% YoY	29%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% +86.0% YoY+3.8% QoQ	-0.5%	0.9% +31.5% YoY	0.8% +12.2% YoY	0.4% -39.2% YoY	Bottom 8.3% in tier
NIM	3.4% +4.1% YoY+4.2% QoQ	+0.2%	3.2% +4.6% YoY	4.2% +5.3% YoY	3.8% +4.1% YoY	67%
Efficiency Ratio	79.1% -6.4% YoY-1.9% QoQ	+15.2%	63.9% -3.7% YoY	77.7% -1.8% YoY	84.6% +2.8% YoY	Bottom 12.5% in tier
Delinquency Rate	1.2% +15.8% YoY-14.3% QoQ	+0.3	0.9% -6.9% YoY	0.8% +11.5% YoY	1.2% +3.4% YoY	67%
Loan To Share	92.3% -3.2% YoY-0.8% QoQ	+6.3%	86.0% -3.3% YoY	75.0% -0.5% YoY	65.6% -1.4% YoY	71%
AMR	$27,308 +6.6% YoY-0.9% QoQ	$-5K	$32,099 +9.5% YoY	$26,073 +2.2% YoY	$19,920 +1.6% YoY	38%
CD Concentration	25.5% +3.2% YoY-2.3% QoQ	-4.7%	30.2%	22.8%	19.8%	21%
Indirect Auto %	36.2% -8.4% YoY+0.9% QoQ	+21.2%	14.9%	15.3%	7.7%	Bottom 4.2% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#5 of 6 • Top 20.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.64%

(Tier: 4.48%, National: 6.36%)

better than tier avg

6 of 24 Titans CUs have this signature | 637 nationally

→ Stable (2→6 CUs) +4 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#1 of 9 • Bottom 25.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 10.70%

(Tier: 14.88%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 36.15%

(Tier: 14.95%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.53%

(Tier: 8.10%, National: 10.19%)

worse than tier avg

9 of 24 Titans CUs have this signature | 745 nationally

→ Stable (8→9 CUs) +1 CUs YoY

Credit Risk Growth

risk

#5 of 16 • Bottom 37.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.59%

(Tier: 12.96%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.17% points

(Tier: 0.07% points, National: 0.12% points)

worse than tier avg

16 of 24 Titans CUs have this signature | 710 nationally

→ No prior data (16 CUs now) | New qualifier

Credit Quality Pressure

risk

#6 of 19 • Bottom 25.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.07% points, National: 0.12% points)

worse than tier avg

19 of 24 Titans CUs have this signature | 1013 nationally

↑ Growing +6 CUs YoY | Rank improving

Liquidity Strain

risk

#6 of 10 • Bottom 29.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.31%

(Tier: 86.02%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 8.59%

(Tier: 12.96%, National: 1.74%)

worse than tier avg

10 of 24 Titans CUs have this signature | 367 nationally

→ Stable (9→10 CUs) +1 CUs YoY

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)

Compare against:

Comparing against 24 peers in tier

Top Strengths (6 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 27.84%

Peer Median: 40.76%

#4 of 24 Top 12.5% in 10B+ tier

Deposit Growth Rate

growth

Value: 12.15%

Peer Median: 6.81%

#5 of 24 Top 16.7% in 10B+ tier

AMR Growth Rate

growth

Value: 6.64%

Peer Median: 3.58%

#5 of 24 Top 16.7% in 10B+ tier

Asset Growth Rate

growth

Value: 10.70%

Peer Median: 7.03%

#6 of 24 Top 20.8% in 10B+ tier

Share Certificate Concentration (%)

balance_sheet

Value: 25.54%

Peer Median: 31.24%

#6 of 24 Top 20.8% in 10B+ tier

Loan-to-Share Ratio

balance_sheet

Value: 92.31%

Peer Median: 88.65%

#7 of 24 Top 25.0% in 10B+ tier

Top Weaknesses (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 36.15%

Peer Median: 10.97%

#24 of 24 Bottom 4.2% in 10B+ tier

Return on Assets (ROA)

profitability

Value: 0.42%

Peer Median: 0.77%

#22 of 24 Bottom 12.5% in 10B+ tier

Efficiency Ratio

profitability

Value: 79.07%

Peer Median: 62.83%

#22 of 24 Bottom 12.5% in 10B+ tier

Total Assets

balance_sheet

Value: $12.86B

Peer Median: $19.34B

#19 of 24 Bottom 25.0% in 10B+ tier