BlastPoint's Credit Union Scorecard
FORT MCCLELLAN
Charter #61800 · AL
FORT MCCLELLAN faces 6 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 0.0% in tier
- - Credit Quality Pressure: Bottom 40.6% in tier
- - ROA 1.06% below tier average
- - Efficiency ratio 22.74% above tier (higher cost structure)
- - Delinquency rate 0.09% above tier average
- - Loan-to-Share Ratio: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,295
-0.0% YoY-0.6% QoQ
|
-142 |
15,437
-2.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$222.5M
+1.3% YoY+0.5% QoQ
|
$-9.4M |
$231.9M
+1.3% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$95.3M
-1.2% YoY-0.6% QoQ
|
$-52.0M |
$147.3M
-0.1% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$200.4M
+0.1% YoY+0.1% QoQ
|
$-450K |
$200.8M
+0.8% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
-0.3%
+0.0% YoY+19.4% QoQ
|
-1.1% |
0.8%
+18.2% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.7% in tier |
| NIM |
2.9%
+23.8% YoY+2.9% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.8% in tier |
| Efficiency Ratio |
99.8%
-4.5% YoY+1.2% QoQ
|
+22.7% |
77.0%
-3.1% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
Top 2.2% in tier |
| Delinquency Rate |
1.0%
+36.4% YoY+26.0% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
47.6%
-1.4% YoY-0.7% QoQ
|
-24.6% |
72.2%
-1.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.2% in tier |
| AMR |
$19,334
-0.3% YoY+0.5% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
25.8%
-7.1% YoY-1.5% QoQ
|
+1.3% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
13.5%
-7.5% YoY-2.2% QoQ
|
-0.3% | 13.8% | 5.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
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.
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)