BlastPoint's Credit Union Scorecard
ALATRUST
Charter #60934 · AL
ALATRUST has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 14.1% in tier
- + Organic Growth Leader: Top 19.1% in tier
- + Emerging Performer: Top 76.8% in tier
- + Wallet Share Momentum: Top 77.3% in tier
- + ROA 0.16% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.2% in tier
- - Credit Risk Growth: Bottom 1.3% in tier
- - Delinquency rate 0.96% above tier average
- - Total Delinquency Rate (60+ days): Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,306
+2.0% YoY+0.4% QoQ
|
-2.3K |
15,628
-3.4% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
49% |
| Assets |
$210.7M
+2.2% YoY+0.6% QoQ
|
$-20.6M |
$231.3M
-0.0% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
54% |
| Loans |
$119.5M
+10.1% YoY+3.3% QoQ
|
$-28.3M |
$147.8M
-1.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
47% |
| Deposits |
$186.2M
+7.0% YoY-0.3% QoQ
|
$-14.1M |
$200.3M
-0.0% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
55% |
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| ROA |
0.9%
-6.5% YoY+5.5% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
62% |
| NIM |
3.4%
+5.8% YoY+0.1% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
71.5%
+1.0% YoY-1.3% QoQ
|
-5.7% |
77.3%
-3.0% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
30% |
| Delinquency Rate |
1.8%
+179.6% YoY+208.0% QoQ
|
+1.0 |
0.9%
+7.6% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Top 9.1% in tier |
| Loan To Share |
64.2%
+2.9% YoY+3.5% QoQ
|
-8.5% |
72.7%
-1.5% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$22,971
+6.0% YoY+0.7% QoQ
|
$-1K |
$24,363
+2.9% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
53% |
| CD Concentration |
27.3%
+9.9% YoY-0.9% QoQ
|
+2.9% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)