BlastPoint's Credit Union Scorecard
OPP-MICOLAS
Charter #62486 · AL
OPP-MICOLAS has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.12% below tier average
- - Efficiency ratio 29.35% above tier (higher cost structure)
- - Member decline: -3.2% YoY
- - Loan-to-Member Ratio (LMR): Bottom 8.5% in tier
- - First Mortgage Concentration (%): Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,629
-3.2% YoY-0.5% QoQ
|
-986 |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$10.4M
-4.8% YoY-2.1% QoQ
|
$-19.8M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$2.4M
-11.0% YoY+4.2% QoQ
|
$-13.3M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$7.7M
-5.7% YoY-2.8% QoQ
|
$-18.0M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
30% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.5%
+28.0% YoY-20.9% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.8% in tier |
| NIM |
4.1%
-2.9% YoY+1.0% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
111.9%
+2.6% YoY-2.9% QoQ
|
+29.4% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
Top 5.8% in tier |
| Delinquency Rate |
0.2%
-97.9% YoY-96.3% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
31.6%
-5.6% YoY+7.3% QoQ
|
-29.1% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.3% in tier |
| AMR |
$6,196
-4.0% YoY-0.7% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.3% in tier |
| CD Concentration |
18.2%
+0.2% YoY+1.8% QoQ
|
-6.2% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)