BlastPoint's Credit Union Scorecard

ALABAMA

Charter #60823 · AL

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 10 in AL
View Mid-Market leaderboard →

ALABAMA has 3 strengths but faces 3 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 30.3% in tier
  • + Organic Growth Engine: Top 30.3% in tier
  • + First Mortgage Concentration (%): Top 7.8% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 86.8% in tier
  • - Efficiency ratio 4.66% above tier (higher cost structure)
  • - Net Interest Margin (NIM): Bottom 9.8% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 152,671
+4.1% YoY-2.1% QoQ
 +56.6K 96,048
-2.7% YoY
 28,055
-6.4% YoY
 33,913
+5.7% YoY
 Top 11.1% in tier
Assets $2.1B
+4.3% YoY+0.3% QoQ
 +$340.7M $1.7B
+0.4% YoY
 $451.2M
+7.2% YoY
 $578.3M
+9.0% YoY
 70%
Loans $1.6B
-0.1% YoY-1.7% QoQ
 +$338.5M $1.2B
+0.2% YoY
 $260.3M
+6.6% YoY
 $402.4M
+8.7% YoY
 76%
Deposits $1.8B
+4.4% YoY+3.0% QoQ
 +$338.9M $1.5B
+0.5% YoY
 $395.2M
+6.0% YoY
 $494.3M
+9.1% YoY
 74%

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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 0.7%
+26.6% YoY+8.2% QoQ
 +0.0% 0.7%
+27.6% YoY
 0.6%
-14.6% YoY
 0.4%
-39.2% YoY
 52%
NIM 2.6%
+5.4% YoY+0.5% QoQ
 -0.8% 3.4%
+6.2% YoY
 3.7%
+0.6% YoY
 3.8%
+4.1% YoY
 Bottom 9.5% in tier
Efficiency Ratio 79.3%
+6.6% YoY+6.4% QoQ
 +4.7% 74.6%
-3.0% YoY
 80.4%
-0.1% YoY
 84.6%
+2.8% YoY
 69%
Delinquency Rate 0.8%
-24.5% YoY-13.2% QoQ
 +0.0 0.8%
+6.9% YoY
 1.6%
+17.5% YoY
 1.2%
+3.4% YoY
 65%
Loan To Share 86.0%
-4.3% YoY-4.6% QoQ
 +2.8% 83.2%
-0.4% YoY
 59.2%
-1.1% YoY
 65.6%
-1.4% YoY
 52%
AMR $21,986
-1.7% YoY+3.0% QoQ
 $-8K $29,652
+2.3% YoY
 $17,504
+3.5% YoY
 $19,920
+1.6% YoY
 Bottom 12.7% in tier
CD Concentration 33.2%
-5.5% YoY-3.6% QoQ
 +4.3% 28.8% 21.3% 19.8% 70%
Indirect Auto % 12.3%
-22.1% YoY-5.1% QoQ
 -5.8% 18.1% 5.1% 7.7% 43%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#47 of 116 • Top 30.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.06%
(Tier: 3.50%, National: 10.19%)
better than tier avg
Indirect Auto %: 12.27%
(Tier: 18.07%, National: 7.73%)
better than tier avg
116 of 384 Mid-Market CUs have this signature | 518 nationally
→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth
#76 of 115 • Top 30.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.06%
(Tier: 3.50%, National: 10.19%)
better than tier avg
Return on Assets: 0.68%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 12.27%
(Tier: 18.07%, National: 7.73%)
better than tier avg
115 of 384 Mid-Market CUs have this signature | 499 nationally
→ No prior data (115 CUs now) | New qualifier

Concerns (1)

Shrinking Wallet Share

decline
#51 of 82 • Bottom 86.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.71%
(Tier: 3.34%, National: 6.36%)
worse than tier avg
82 of 384 Mid-Market CUs have this signature | 335 nationally
↓ Shrinking -18 CUs YoY | 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)

Comparing against 306 peers in tier

Top Strengths (4 metrics)

25
First Mortgage Concentration (%)
balance_sheet
Value: 14.89%
Peer Median: 33.05%
#25 of 306 Top 7.8% in 1B-3B tier
34
Total Members
engagement
Value: 152,671
Peer Median: 85,918
#34 of 306 Top 10.8% in 1B-3B tier
50
Fee Income Per Member
profitability
Value: $270.02
Peer Median: $191.54
#50 of 306 Top 16.0% in 1B-3B tier
74
Total Loans
balance_sheet
Value: $1.55B
Peer Median: $1.11B
#74 of 306 Top 23.9% in 1B-3B tier

Top Weaknesses (5 metrics)

277
Net Interest Margin (NIM)
profitability
Value: 2.58%
Peer Median: 3.37%
#277 of 306 Bottom 9.8% in 1B-3B tier
267
Average Member Relationship (AMR)
engagement
Value: $21,986
Peer Median: $28,178
#267 of 306 Bottom 13.1% in 1B-3B tier
266
AMR Growth Rate
growth
Value: -1.71%
Peer Median: 3.15%
#266 of 306 Bottom 13.4% in 1B-3B tier
250
Loan-to-Member Ratio (LMR)
engagement
Value: $10,167
Peer Median: $12,733
#250 of 306 Bottom 18.6% in 1B-3B tier
248
Loan Growth Rate
growth
Value: -0.07%
Peer Median: 5.67%
#248 of 306 Bottom 19.3% in 1B-3B tier
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