BlastPoint's Credit Union Scorecard
ALABAMA CENTRAL
Charter #60712 · AL
ALABAMA CENTRAL has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 16.5% in tier
- + Credit Quality Leader: Top 18.6% in tier
- + ROA 0.04% above tier average
- + Net Interest Margin 0.25% above tier average
- + Total Delinquency Rate (60+ days): Top 5.3% in tier
- + AMR Growth Rate: Top 5.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 4.2% in tier
- - Stagnation Risk: Bottom 7.4% in tier
- - Institutional Decline: Bottom 10.7% in tier
- - Efficiency Drag: Bottom 21.8% in tier
- - Margin Compression: Bottom 31.3% in tier
- - Efficiency ratio 6.23% above tier (higher cost structure)
- - Member decline: -6.9% YoY
- - Member Growth Rate: Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,037
-6.9% YoY-1.8% QoQ
|
+4.4K |
15,628
-3.4% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$209.4M
+4.9% YoY+1.0% QoQ
|
$-21.9M |
$231.3M
-0.0% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
53% |
| Loans |
$142.6M
-2.7% YoY+0.1% QoQ
|
$-5.2M |
$147.8M
-1.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
58% |
| Deposits |
$189.5M
+10.4% YoY+0.4% QoQ
|
$-10.8M |
$200.3M
-0.0% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
56% |
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| ROA |
0.8%
-11.4% YoY+3.3% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
55% |
| NIM |
3.8%
+1.3% YoY+0.3% QoQ
|
+0.3% |
3.6%
+6.9% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
65% |
| Efficiency Ratio |
83.5%
+1.9% YoY-0.3% QoQ
|
+6.2% |
77.3%
-3.0% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.1%
-85.7% YoY-31.7% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 5.3% in tier |
| Loan To Share |
75.3%
-11.8% YoY-0.3% QoQ
|
+2.6% |
72.7%
-1.5% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
52% |
| AMR |
$16,576
+12.1% YoY+2.1% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration |
14.9%
+17.1% YoY+4.9% QoQ
|
-9.5% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
6.0%
-34.4% YoY-10.7% QoQ
|
-8.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)