BlastPoint's Credit Union Scorecard
SOCIAL SECURITY
Charter #61391 · AL
SOCIAL SECURITY has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Net Interest Margin 0.26% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 1.33% above tier average
- - Member decline: -3.8% YoY
- - Net Charge-Off Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,657
-3.8% YoY-2.7% QoQ
|
+41 |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$36.8M
+5.0% YoY+1.1% QoQ
|
+$6.7M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$13.6M
-3.1% YoY+1.5% QoQ
|
$-2.1M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
59% |
| Deposits |
$28.3M
+4.8% YoY+1.5% QoQ
|
+$2.6M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
0.9%
-5.6% YoY-21.6% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
4.2%
-2.2% YoY-1.0% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
68.9%
-3.6% YoY+5.6% QoQ
|
-13.7% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
2.9%
+60.7% YoY+5.9% QoQ
|
+1.3 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.6% in tier |
| Loan To Share |
48.3%
-7.6% YoY+0.0% QoQ
|
-12.3% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$15,771
+6.2% YoY+4.3% QoQ
|
+$989 |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
3.4%
+19.2% YoY-0.5% QoQ
|
-21.0% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)