BlastPoint's Credit Union Scorecard
ALABAMA CENTRAL
Charter #60712 · AL
ALABAMA CENTRAL has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.24% above tier average
- + AMR Growth Rate: Top 7.7% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Efficiency ratio 8.04% above tier (higher cost structure)
- - Member decline: -11.5% YoY
- - Member Growth Rate: Bottom 2.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,761
-11.5% YoY-6.4% QoQ
|
+3.3K |
15,437
-2.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$207.6M
+3.4% YoY-0.9% QoQ
|
$-24.3M |
$231.9M
+1.3% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$139.7M
-5.9% YoY-2.1% QoQ
|
$-7.7M |
$147.3M
-0.1% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$188.1M
+2.5% YoY-0.8% QoQ
|
$-12.8M |
$200.8M
+0.8% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
0.8%
-12.1% YoY-8.6% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
3.8%
+0.6% YoY+0.2% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
85.1%
+2.7% YoY+1.9% QoQ
|
+8.0% |
77.0%
-3.1% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.3%
-14.5% YoY+226.2% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
19% |
| Loan To Share |
74.3%
-8.2% YoY-1.3% QoQ
|
+2.0% |
72.2%
-1.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$17,468
+11.5% YoY+5.4% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
16.9%
+30.8% YoY+13.3% QoQ
|
-7.5% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
5.4%
-34.6% YoY-10.8% QoQ
|
-8.4% | 13.8% | 5.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)