BlastPoint's Credit Union Scorecard

CITY

Charter #62062 · AL

<100M

2508 CUs in <100M nationally 53 in AL

CITY demonstrates 1 strength

National Analysis

How does the industry compare?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.04% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	1,583 -1.2% YoY-0.1% QoQ	-1.1K	2,676 +1.6% YoY	28,055 -6.4% YoY	33,913 +5.7% YoY	42%
Assets	$20.5M +4.1% YoY+5.6% QoQ	$-9.7M	$30.2M +1.3% YoY	$451.2M +7.2% YoY	$578.3M +9.0% YoY	48%
Loans	$11.4M -9.0% YoY-5.2% QoQ	$-3.8M	$15.3M -2.0% YoY	$260.3M +6.6% YoY	$402.4M +8.7% YoY	55%
Deposits	$15.2M +3.6% YoY+7.0% QoQ	$-10.6M	$25.8M +0.7% YoY	$395.2M +6.0% YoY	$494.3M +9.1% YoY	45%

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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	1.2% +31.5% YoY-13.4% QoQ	+1.0%	0.1% -77.6% YoY	0.6% -14.6% YoY	0.4% -39.2% YoY	76%
NIM	3.8% +5.4% YoY-4.0% QoQ	-0.3%	4.0% +4.0% YoY	3.7% +0.6% YoY	3.8% +4.1% YoY	46%
Efficiency Ratio	76.1% -6.3% YoY+7.6% QoQ	-14.5%	90.6% +6.5% YoY	80.4% -0.1% YoY	84.6% +2.8% YoY	37%
Delinquency Rate	0.6% +160.9% YoY+48.0% QoQ	-0.9	1.5% +3.8% YoY	1.6% +17.5% YoY	1.2% +3.4% YoY	48%
Loan To Share	75.3% -12.1% YoY-11.4% QoQ	+16.8%	58.5% -3.0% YoY	59.2% -1.1% YoY	65.6% -1.4% YoY	75%
AMR	$16,834 -1.0% YoY+1.5% QoQ	+$2K	$14,884 -1.7% YoY	$17,504 +3.5% YoY	$19,920 +1.6% YoY	65%
CD Concentration	14.9% +213.1% YoY+117.9% QoQ	-9.4%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

263

Fee Income Per Member

profitability

Value: $154.26

Peer Median: $60.42

#263 of 2508 Top 10.4% in <100M tier

286

Net Worth Ratio

risk

Value: 24.54%

Peer Median: 14.28%

#286 of 2508 Top 11.4% in <100M tier

575

Loan-to-Member Ratio (LMR)

engagement

Value: $7,230

Peer Median: $4,923

#575 of 2508 Top 22.9% in <100M tier

611

Return on Assets (ROA)

profitability

Value: 1.18%

Peer Median: 0.61%

#611 of 2508 Top 24.3% in <100M tier

627

Loan-to-Share Ratio

balance_sheet

Value: 75.27%

Peer Median: 58.72%

#627 of 2508 Top 25.0% in <100M tier

Top Weaknesses (1 metrics)

1988

Members Per Employee (MPE)

engagement

Value: 226.143

Peer Median: 333.750

#1988 of 2508 Bottom 20.8% in <100M tier