BlastPoint's Credit Union Scorecard

FORT MCCLELLAN

Charter #61800 · AL

100M-500M

1070 CUs in 100M-500M nationally 21 in AL

FORT MCCLELLAN faces 8 concerns requiring attention

National Analysis

How does the industry compare?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.43% below tier average
- Efficiency ratio 3.19% above tier (higher cost structure)
- Delinquency rate 0.32% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	15,331 -0.7% YoY+0.2% QoQ	+185	15,145 -2.5% YoY	28,055 -6.4% YoY	33,913 +5.7% YoY	60%
Assets	$224.7M +0.1% YoY+1.0% QoQ	$-7.0M	$231.7M +0.8% YoY	$451.2M +7.2% YoY	$578.3M +9.0% YoY	58%
Loans	$95.8M +0.5% YoY+0.4% QoQ	$-48.4M	$144.1M +0.2% YoY	$260.3M +6.6% YoY	$402.4M +8.7% YoY	34%
Deposits	$202.2M -1.3% YoY+0.9% QoQ	+$1.0M	$201.1M +0.4% YoY	$395.2M +6.0% YoY	$494.3M +9.1% YoY	60%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -175.7% YoY-201.4% QoQ	-0.4%	0.7% +5.1% YoY	0.6% -14.6% YoY	0.4% -39.2% YoY	23%
NIM	3.1% +20.6% YoY+8.9% QoQ	-0.5%	3.6% +4.6% YoY	3.7% +0.6% YoY	3.8% +4.1% YoY	21%
Efficiency Ratio	81.2% -18.4% YoY-18.6% QoQ	+3.2%	78.0% -1.7% YoY	80.4% -0.1% YoY	84.6% +2.8% YoY	59%
Delinquency Rate	1.1% +4.7% YoY+11.6% QoQ	+0.3	0.8% +7.1% YoY	1.6% +17.5% YoY	1.2% +3.4% YoY	79%
Loan To Share	47.4% +1.8% YoY-0.5% QoQ	-23.0%	70.4% -0.4% YoY	59.2% -1.1% YoY	65.6% -1.4% YoY	Bottom 9.3% in tier
AMR	$19,432 +0.0% YoY+0.5% QoQ	$-5K	$24,918 +2.7% YoY	$17,504 +3.5% YoY	$19,920 +1.6% YoY	29%
CD Concentration	25.7% -2.3% YoY-0.3% QoQ	+1.4%	24.3%	21.3%	19.8%	50%
Indirect Auto %	14.3% +0.7% YoY+5.9% QoQ	+0.5%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Stagnation Risk

risk

#402 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.73%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.49%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.09%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#588 of 727 • 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): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Deposit Outflow

decline

#59 of 72 • 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): -1.29%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): -0.73%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Efficiency Drag

risk

#495 of 596 • 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: 81.22%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.70% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -0.73%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Membership Headwinds

decline

#536 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.73%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | 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 1070 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (10 metrics)

970

Loan-to-Share Ratio

balance_sheet

Value: 47.37%

Peer Median: 71.88%

#970 of 1070 Bottom 9.4% in 100M-500M tier

954

Members Per Employee (MPE)

engagement

Value: 228.821

Peer Median: 309.176

#954 of 1070 Bottom 10.9% in 100M-500M tier

924

Deposit Growth Rate

growth

Value: -1.29%

Peer Median: 3.30%

#924 of 1070 Bottom 13.7% in 100M-500M tier

900

Loan-to-Member Ratio (LMR)

engagement

Value: $6,246

Peer Median: $9,356

#900 of 1070 Bottom 16.0% in 100M-500M tier

873

Asset Growth Rate

growth

Value: 0.12%

Peer Median: 3.91%

#873 of 1070 Bottom 18.5% in 100M-500M tier

871

Net Charge-Off Rate

risk

Value: 0.76%

Peer Median: 0.35%

#871 of 1070 Bottom 18.7% in 100M-500M tier

850

Total Delinquency Rate (60+ days)

risk

Value: 1.09%

Peer Median: 0.61%

#850 of 1070 Bottom 20.7% in 100M-500M tier

847

AMR Growth Rate

growth

Value: 0.00%

Peer Median: 3.46%

#847 of 1070 Bottom 20.9% in 100M-500M tier

841

Net Interest Margin (NIM)

profitability

Value: 3.13%

Peer Median: 3.62%

#841 of 1070 Bottom 21.5% in 100M-500M tier

825

Return on Assets (ROA)

profitability

Value: 0.30%

Peer Median: 0.69%

#825 of 1070 Bottom 23.0% in 100M-500M tier