BlastPoint's Credit Union Scorecard

ALABAMA

Charter #60823 · AL

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 10 in AL

View Mid-Market leaderboard →

ALABAMA has 5 strengths but faces 5 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 24.8% in tier
+ Organic Growth Engine: Top 30.1% in tier
+ Strong member growth: 6.2% YoY
+ First Mortgage Concentration (%): Top 7.3% in tier
+ Total Members: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 53.9% in tier
- Liquidity Strain: Bottom 95.8% in tier
- ROA 0.05% below tier average
- Efficiency ratio 0.43% above tier (higher cost structure)
- Delinquency rate 0.01% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	156,023 +6.2% YoY+0.9% QoQ	+58.6K	97,431 -2.4% YoY	27,849 -7.3% YoY	33,374 +5.7% YoY	Top 9.6% in tier
Assets	$2.1B +5.4% YoY-0.3% QoQ	+$331.1M	$1.7B +0.9% YoY	$442.6M +8.5% YoY	$561.6M +9.7% YoY	70%
Loans	$1.6B +3.3% YoY-1.0% QoQ	+$344.4M	$1.2B +0.5% YoY	$260.4M +7.2% YoY	$397.0M +8.8% YoY	75%
Deposits	$1.8B +3.1% YoY-0.4% QoQ	+$292.0M	$1.5B +0.9% YoY	$387.0M +6.9% YoY	$477.3M +9.7% YoY	72%

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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	0.6% +201.1% YoY-12.0% QoQ	-0.1%	0.7% +20.9% YoY	0.7% +32.7% YoY	0.7% +15.9% YoY	47%
NIM	2.6% +4.8% YoY+1.2% QoQ	-0.7%	3.3% +9.2% YoY	3.7% +4.6% YoY	3.8% +5.1% YoY	Bottom 13.9% in tier
Efficiency Ratio	74.5% -3.9% YoY+1.0% QoQ	+0.4%	74.1% -9.5% YoY	78.3% -5.6% YoY	79.7% -3.3% YoY	50%
Delinquency Rate	0.9% -27.6% YoY+16.9% QoQ	+0.0	0.9% +6.2% YoY	1.7% +25.2% YoY	1.3% -2.1% YoY	62%
Loan To Share	90.1% +0.3% YoY-0.6% QoQ	+5.4%	84.8% -0.8% YoY	60.7% -1.8% YoY	67.4% -1.7% YoY	59%
AMR	$21,344 -2.9% YoY-1.6% QoQ	$-8K	$29,428 +2.4% YoY	$17,441 +4.4% YoY	$19,687 +2.0% YoY	Bottom 10.9% in tier
CD Concentration	34.4% -3.7% YoY-1.7% QoQ	+5.4%	29.0%	21.2%	19.8%	75%
Indirect Auto %	12.9% -23.4% YoY-5.5% QoQ	-5.4%	18.3%	5.2%	7.8%	43%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#36 of 142 • Top 24.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 6.24%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Indirect Auto %: 12.93%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Organic Growth Engine

growth

#75 of 247 • Top 30.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.24%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Return on Assets: 0.63%

(Tier: 0.69%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 12.93%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Concerns (2)

Shrinking Wallet Share

decline

#43 of 79 • Bottom 53.9% in tier

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

Why This Signature

AMR Growth (YoY): -2.86%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

79 of 378 Mid-Market CUs have this signature | 303 nationally

↓ Shrinking -33 CUs YoY | New qualifier

Liquidity Strain

risk

#159 of 166 • Bottom 95.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.15%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 3.35%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 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)

Compare against:

Comparing against 302 peers in tier

Top Strengths (5 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 14.73%

Peer Median: -

#23 of 302 Top 7.3% in 1B-3B tier

Total Members

engagement

Value: 156,023

Peer Median: -

#29 of 302 Top 9.3% in 1B-3B tier

Member Growth Rate

growth

Value: 6.24%

Peer Median: -

#42 of 302 Top 13.6% in 1B-3B tier

Fee Income Per Member

profitability

Value: $268.51

Peer Median: -

#54 of 302 Top 17.5% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.58B

Peer Median: -

#75 of 302 Top 24.5% in 1B-3B tier

Top Weaknesses (6 metrics)

269

Average Member Relationship (AMR)

engagement

Value: $21,344

Peer Median: -

#269 of 302 Bottom 11.3% in 1B-3B tier

268

AMR Growth Rate

growth

Value: -2.86%

Peer Median: -

#268 of 302 Bottom 11.6% in 1B-3B tier

260

Net Interest Margin (NIM)

profitability

Value: 2.57%

Peer Median: -

#260 of 302 Bottom 14.2% in 1B-3B tier

249

Loan-to-Member Ratio (LMR)

engagement

Value: $10,119

Peer Median: -

#249 of 302 Bottom 17.9% in 1B-3B tier

231

Net Charge-Off Rate

risk

Value: 0.79%

Peer Median: -

#231 of 302 Bottom 23.8% in 1B-3B tier

230

Share Certificate Concentration (%)

balance_sheet

Value: 34.40%

Peer Median: -

#230 of 302 Bottom 24.2% in 1B-3B tier