BlastPoint's Credit Union Scorecard

FORT MCCLELLAN

Charter #61800 · AL

100M-500M

1024 CUs in 100M-500M nationally 21 in AL

FORT MCCLELLAN has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- ROA 0.68% below tier average
- Efficiency ratio 9.56% above tier (higher cost structure)
- Delinquency rate 0.29% above tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Alabama.
Shares and deposits -0.9% year over year ($202M in shares and deposits).
Membership: 15,449 members, +1.0% vs a year ago.
Delinquency rate 1.17%.
Return on assets 0.18%.
Efficiency ratio 86.30% vs a 76.73% peer average.
Loan-to-share ratio 48.75% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	15,449 +1.0% YoY+0.8% QoQ	+280	15,168 -2.6% YoY	28,281 -1.7% YoY	34,678 +6.6% YoY	61%
Assets	$224.1M +0.0% YoY-0.3% QoQ	$-7.9M	$232.0M +0.7% YoY	$459.0M +7.0% YoY	$593.1M +10.2% YoY	58%
Loans	$98.3M +2.5% YoY+2.7% QoQ	$-47.9M	$146.3M +0.2% YoY	$266.3M +5.7% YoY	$418.6M +10.1% YoY	35%
Deposits	$201.7M -0.9% YoY-0.2% QoQ	+$993K	$200.7M +0.2% YoY	$400.1M +6.1% YoY	$504.8M +10.3% YoY	59%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% -166.4% YoY-40.7% QoQ	-0.7%	0.9% +12.5% YoY	1.1% +39.6% YoY	1.2% +121.4% YoY	Bottom 7.5% in tier
NIM	3.2% +18.0% YoY+1.3% QoQ	-0.5%	3.7% +4.5% YoY	3.7% +1.1% YoY	3.8% +2.3% YoY	21%
Efficiency Ratio	86.3% -12.8% YoY+6.3% QoQ	+9.6%	76.7% -0.8% YoY	82.1% +5.7% YoY	83.0% -5.3% YoY	80%
Delinquency Rate	1.2% +53.9% YoY+7.4% QoQ	+0.3	0.9% +6.6% YoY	1.4% -5.8% YoY	1.3% +2.6% YoY	76%
Loan To Share	48.8% +3.4% YoY+2.9% QoQ	-22.8%	71.5% -0.3% YoY	59.3% -1.7% YoY	66.4% -1.4% YoY	Bottom 10.4% in tier
AMR	$19,421 -0.7% YoY-0.1% QoQ	$-6K	$25,107 +3.2% YoY	$17,701 +4.0% YoY	$20,028 -0.9% YoY	28%
CD Concentration	24.5% -7.0% YoY-4.6% QoQ	+0.0%	24.6%	21.8%	20.0%	50%
Indirect Auto %	14.2% +0.2% YoY-0.8% QoQ	+0.5%	13.6%	5.2%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#299 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.95%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 14.15%

(Tier: 13.63%, National: 7.71%)

but worse than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Organic Growth Engine

growth

#344 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.95%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.18%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 14.15%

(Tier: 13.63%, National: 7.71%)

but worse than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#181 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.41% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Efficiency Drag

risk

#234 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.30%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.45% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 0.95%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Credit Risk Growth

risk

#262 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.51%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.41% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Deposit Outflow

decline

#71 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -0.86%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 0.95%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#203 of 223 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -0.73%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 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 1024 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (11 metrics)

947

Return on Assets (ROA)

profitability

Value: 0.18%

Peer Median: 0.75%

#947 of 1024 Bottom 7.6% in 100M-500M tier

918

Loan-to-Share Ratio

balance_sheet

Value: 48.75%

Peer Median: 73.07%

#918 of 1024 Bottom 10.4% in 100M-500M tier

894

Members Per Employee (MPE)

engagement

Value: 230.582

Peer Median: 310.924

#894 of 1024 Bottom 12.8% in 100M-500M tier

868

Deposit Growth Rate

growth

Value: -0.86%

Peer Median: 3.58%

#868 of 1024 Bottom 15.3% in 100M-500M tier

862

Loan-to-Member Ratio (LMR)

engagement

Value: $6,365

Peer Median: $9,434

#862 of 1024 Bottom 15.9% in 100M-500M tier

857

AMR Growth Rate

growth

Value: -0.73%

Peer Median: 3.53%

#857 of 1024 Bottom 16.4% in 100M-500M tier

848

Asset Growth Rate

growth

Value: 0.02%

Peer Median: 4.12%

#848 of 1024 Bottom 17.3% in 100M-500M tier

839

Net Charge-Off Rate

risk

Value: 0.71%

Peer Median: 0.34%

#839 of 1024 Bottom 18.2% in 100M-500M tier

819

Efficiency Ratio

profitability

Value: 86.30%

Peer Median: 77.26%

#819 of 1024 Bottom 20.1% in 100M-500M tier

809

Net Interest Margin (NIM)

profitability

Value: 3.18%

Peer Median: 3.67%

#809 of 1024 Bottom 21.1% in 100M-500M tier