BlastPoint's Credit Union Scorecard
FORT MCCLELLAN
Charter #61800 · AL
FORT MCCLELLAN faces 13 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.1% in tier
- - Credit Quality Pressure: Bottom 11.6% in tier
- - Shrinking Wallet Share: Bottom 19.7% in tier
- - Accelerating Exit Risk: Bottom 20.6% in tier
- - Institutional Decline: Bottom 27.7% in tier
- - Membership Headwinds: Bottom 33.0% in tier
- - Stagnation Risk: Bottom 33.3% in tier
- - Deposit Outflow: Bottom 88.8% in tier
- - ROA 1.04% below tier average
- - Efficiency ratio 21.28% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 4.4% in tier
- - Loan-to-Share Ratio: Bottom 8.7% in tier
- - Members Per Employee (MPE): Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,393
-0.5% YoY+0.6% QoQ
|
-235 |
15,628
-3.4% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
59% |
| Assets |
$221.5M
-4.3% YoY-1.2% QoQ
|
$-9.8M |
$231.3M
-0.0% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
57% |
| Loans |
$95.9M
-4.2% YoY+0.0% QoQ
|
$-51.9M |
$147.8M
-1.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
32% |
| Deposits |
$200.2M
-0.6% YoY-1.6% QoQ
|
$-125K |
$200.3M
-0.0% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
59% |
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| ROA |
-0.2%
-11.0% YoY-7.6% QoQ
|
-1.0% |
0.8%
+15.5% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.4% in tier |
| NIM |
2.8%
+26.2% YoY+3.9% QoQ
|
-0.8% |
3.6%
+6.9% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.9% in tier |
| Efficiency Ratio |
98.6%
-5.8% YoY-0.4% QoQ
|
+21.3% |
77.3%
-3.0% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 3.0% in tier |
| Delinquency Rate |
0.8%
+52.2% YoY+1.8% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
58% |
| Loan To Share |
47.9%
-3.6% YoY+1.6% QoQ
|
-24.8% |
72.7%
-1.5% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.6% in tier |
| AMR |
$19,236
-1.2% YoY-1.7% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
30% |
| CD Concentration |
26.1%
-9.5% YoY-0.9% QoQ
|
+1.7% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
13.8%
-6.1% YoY-2.5% QoQ
|
-0.2% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (8)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)