BlastPoint's Credit Union Scorecard
ALABAMA
Charter #60823 · AL
ALABAMA has 5 strengths but faces 1 concern
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
- + Organic Growth Leader: Top 10.0% in tier
- + Organic Growth Engine: Top 10.4% in tier
- + ROA 0.01% above tier average
- + Strong member growth: 5.5% YoY
- + First Mortgage Concentration (%): Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 30.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
154,650
+5.5% YoY-1.6% QoQ
|
+56.0K |
98,678
-1.9% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
Top 11.2% in tier |
| Assets |
$2.1B
+7.1% YoY+1.6% QoQ
|
+$340.4M |
$1.7B
+0.5% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
70% |
| Loans |
$1.6B
+6.5% YoY-3.1% QoQ
|
+$361.4M |
$1.2B
+0.5% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
75% |
| Deposits |
$1.8B
+7.4% YoY+1.7% QoQ
|
+$304.5M |
$1.5B
+1.3% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
71% |
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| ROA |
0.7%
-3124.8% YoY-16.3% QoQ
|
+0.0% |
0.7%
+13.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
2.5%
+2.3% YoY+1.4% QoQ
|
-0.7% |
3.3%
+9.3% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 12.5% in tier |
| Efficiency Ratio |
73.7%
-7.7% YoY+3.4% QoQ
|
-0.2% |
74.0%
-10.9% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.8%
-37.9% YoY-6.2% QoQ
|
-0.1 |
0.8%
+6.1% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
58% |
| Loan To Share |
90.7%
-0.8% YoY-4.8% QoQ
|
+5.5% |
85.2%
-0.8% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
57% |
| AMR |
$21,683
+1.4% YoY+0.9% QoQ
|
$-7K |
$29,172
+2.8% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.5% in tier |
| CD Concentration |
35.0%
+3.9% YoY+1.3% QoQ
|
+6.0% |
29.0%
+0.7% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
77% |
| Indirect Auto % |
13.7%
-24.7% YoY-3.1% QoQ
|
-5.1% |
18.8%
-3.0% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
44% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)