BlastPoint's Credit Union Scorecard
ALABAMA CENTRAL
Charter #60712 · AL
ALABAMA CENTRAL has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + AMR Growth Rate: Top 5.0% 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
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency ratio 7.87% above tier (higher cost structure)
- - Member decline: -10.8% YoY
- - Member Growth Rate: Bottom 2.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,529
-10.8% YoY-1.2% QoQ
|
+3.4K |
15,145
-2.5% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$216.4M
+5.7% YoY+4.3% QoQ
|
$-15.3M |
$231.7M
+0.8% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
55% |
| Loans |
$138.1M
-4.6% YoY-1.1% QoQ
|
$-6.0M |
$144.1M
+0.2% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
58% |
| Deposits |
$196.2M
+5.1% YoY+4.3% QoQ
|
$-5.0M |
$201.1M
+0.4% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
58% |
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| ROA |
0.7%
-11.6% YoY-7.4% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
50% |
| NIM |
3.6%
-6.3% YoY-6.2% QoQ
|
+0.0% |
3.6%
+4.6% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
49% |
| Efficiency Ratio |
85.9%
+3.4% YoY+1.0% QoQ
|
+7.9% |
78.0%
-1.7% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
74% |
| Delinquency Rate |
0.3%
+28.0% YoY-18.6% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
20% |
| Loan To Share |
70.4%
-9.2% YoY-5.2% QoQ
|
+0.0% |
70.4%
-0.4% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
47% |
| AMR |
$18,041
+13.0% YoY+3.3% QoQ
|
$-7K |
$24,918
+2.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
18.1%
+34.8% YoY+6.9% QoQ
|
-6.2% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % |
4.7%
-36.7% YoY-12.2% QoQ
|
-9.1% | 13.8% | 5.1% | 7.7% | 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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)