BlastPoint's Credit Union Scorecard

MUTUAL SAVINGS

Charter #60501 · AL

100M-500M

1069 CUs in 100M-500M nationally 19 in AL

MUTUAL SAVINGS has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Delinquency Rate (60+ days): Top 4.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.61% below tier average
- Efficiency ratio 18.38% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 9.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	19,114 -0.9% YoY-0.1% QoQ	+3.7K	15,437 -2.9% YoY	27,849 -7.3% YoY	33,374 +5.7% YoY	73%
Assets	$240.8M +2.1% YoY+0.2% QoQ	+$9.0M	$231.9M +1.3% YoY	$442.6M +8.5% YoY	$561.6M +9.7% YoY	61%
Loans	$144.9M +4.8% YoY+1.8% QoQ	$-2.4M	$147.3M -0.1% YoY	$260.4M +7.2% YoY	$397.0M +8.8% YoY	59%
Deposits	$212.0M +1.5% YoY+0.3% QoQ	+$11.2M	$200.8M +0.8% YoY	$387.0M +6.9% YoY	$477.3M +9.7% YoY	62%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -80.7% YoY+3.9% QoQ	-0.6%	0.8% +18.2% YoY	0.7% +32.7% YoY	0.7% +15.9% YoY	Bottom 10.9% in tier
NIM	3.2% +19.2% YoY+1.6% QoQ	-0.4%	3.6% +6.7% YoY	3.7% +4.6% YoY	3.8% +5.1% YoY	27%
Efficiency Ratio	95.4% +14.1% YoY-0.8% QoQ	+18.4%	77.0% -3.1% YoY	78.3% -5.6% YoY	79.7% -3.3% YoY	Bottom 4.4% in tier
Delinquency Rate	0.1% +40.7% YoY+5.3% QoQ	-0.8	0.9% +4.2% YoY	1.7% +25.2% YoY	1.3% -2.1% YoY	Top 4.5% in tier
Loan To Share	68.4% +3.2% YoY+1.5% QoQ	-3.9%	72.2% -1.1% YoY	60.7% -1.8% YoY	67.4% -1.7% YoY	39%
AMR	$18,674 +3.8% YoY+1.0% QoQ	$-6K	$24,676 +3.4% YoY	$17,441 +4.4% YoY	$19,687 +2.0% YoY	26%
CD Concentration	29.0% -0.4% YoY+0.1% QoQ	+4.6%	24.4%	21.2%	19.8%	50%
Indirect Auto %	7.2% +49.0% YoY-0.5% QoQ	-6.6%	13.8%	5.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#118 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 95.40%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.64% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -0.93%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Risk Growth

risk

#395 of 456 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 4.80%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Membership Headwinds

decline

#492 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.93%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#642 of 705 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Stagnation Risk

risk

#544 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.93%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 4.80%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.10%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (2 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Median: -

#49 of 1069 Top 4.5% in 100M-500M tier

120

Fee Income Per Member

profitability

Value: $261.16

Peer Median: -

#120 of 1069 Top 11.1% in 100M-500M tier

Top Weaknesses (5 metrics)

1023

Efficiency Ratio

profitability

Value: 95.40%

Peer Median: -

#1023 of 1069 Bottom 4.4% in 100M-500M tier

971

First Mortgage Concentration (%)

balance_sheet

Value: 55.28%

Peer Median: -

#971 of 1069 Bottom 9.3% in 100M-500M tier

952

Return on Assets (ROA)

profitability

Value: 0.15%

Peer Median: -

#952 of 1069 Bottom 11.0% in 100M-500M tier

931

Net Worth Ratio

risk

Value: 9.00%

Peer Median: -

#931 of 1069 Bottom 13.0% in 100M-500M tier

818

Members Per Employee (MPE)

engagement

Value: 261.836

Peer Median: -

#818 of 1069 Bottom 23.6% in 100M-500M tier