BlastPoint's Credit Union Scorecard
SOCIAL SECURITY
Charter #61391 · AL
SOCIAL SECURITY has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.50% above tier average
- + Net Interest Margin 0.33% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.21% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,732
-1.4% YoY-0.1% QoQ
|
+106 |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
63% |
| Assets |
$36.4M
+8.7% YoY+1.4% QoQ
|
+$6.5M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
66% |
| Loans |
$13.4M
-6.1% YoY+2.8% QoQ
|
$-2.3M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
58% |
| Deposits |
$27.8M
+9.1% YoY+1.0% QoQ
|
+$2.4M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
62% |
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| ROA |
1.2%
-9.6% YoY+13.1% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
4.3%
-3.9% YoY+1.6% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
65% |
| Efficiency Ratio |
65.3%
+2.4% YoY-2.5% QoQ
|
-16.1% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
22% |
| Delinquency Rate |
2.7%
+118.9% YoY+19.5% QoQ
|
+1.2 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Top 13.8% in tier |
| Loan To Share |
48.3%
-14.0% YoY+1.8% QoQ
|
-12.9% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$15,116
+5.1% YoY+1.7% QoQ
|
+$489 |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
58% |
| CD Concentration |
3.4%
+15.1% YoY+26.2% QoQ
|
-21.0% |
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 (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)