BlastPoint's Credit Union Scorecard
ALABAMA
Charter #60823 · AL
ALABAMA has 1 strength but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does AL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 44.5% in tier
- - Stagnation Risk: Bottom 89.5% in tier
- - Membership Headwinds: Bottom 89.5% in tier
- - ROA 0.44% below tier average
- - Efficiency ratio 5.61% above tier (higher cost structure)
- - Member decline: -2.9% YoY
- - Loan Growth Rate: Bottom 3.0% in tier
- - Net Interest Margin (NIM): Bottom 9.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Alabama.
- Shares and deposits +4.4% year over year ($1.80B in shares and deposits).
- Membership: 152,571 members, -2.9% vs a year ago.
- Delinquency rate 0.80%.
- Return on assets 0.37%.
- Efficiency ratio 78.63% vs a 73.02% peer average.
- Loan-to-share ratio 85.33% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
152,571
-2.9% YoY-0.1% QoQ
|
+55.7K |
96,861
-1.9% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
Top 11.0% in tier |
| Assets |
$2.1B
+2.4% YoY+0.7% QoQ
|
+$351.4M |
$1.7B
+0.4% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
69% |
| Loans |
$1.5B
-6.5% YoY-0.8% QoQ
|
+$305.4M |
$1.2B
+0.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
73% |
| Deposits |
$1.8B
+4.4% YoY-0.0% QoQ
|
+$340.9M |
$1.5B
+0.5% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
73% |
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| ROA |
0.4%
-56.4% YoY-45.2% QoQ
|
-0.4% |
0.8%
+27.6% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
16% |
| NIM |
2.6%
+4.9% YoY+1.8% QoQ
|
-0.8% |
3.4%
+6.6% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 9.0% in tier |
| Efficiency Ratio |
78.6%
+10.3% YoY-0.8% QoQ
|
+5.6% |
73.0%
-2.7% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
73% |
| Delinquency Rate |
0.8%
-3.2% YoY+1.7% QoQ
|
-0.1 |
0.9%
+7.3% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
58% |
| Loan To Share |
85.3%
-10.4% YoY-0.8% QoQ
|
+0.6% |
84.7%
+0.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
47% |
| AMR |
$21,917
+2.0% YoY-0.3% QoQ
|
$-8K |
$29,575
+1.5% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.7% in tier |
| CD Concentration |
33.2%
-4.0% YoY-0.0% QoQ
|
+4.1% | 29.1% | 21.8% | 20.0% | 68% |
| Indirect Auto % |
11.6%
-18.1% YoY-5.7% QoQ
|
-6.5% | 18.1% | 5.2% | 7.7% | 41% |
Signature Analysis
Strengths (0)
Concerns (3)
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)