BlastPoint's Credit Union Scorecard
OPP-MICOLAS
Charter #62486 · AL
OPP-MICOLAS has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.09% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.32% below tier average
- - Efficiency ratio 33.82% above tier (higher cost structure)
- - Delinquency rate 2.87% above tier average
- - Member decline: -3.9% YoY
- - Total Delinquency Rate (60+ days): Bottom 7.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.2% in tier
- - First Mortgage Concentration (%): Bottom 8.9% in tier
- - Loan-to-Share Ratio: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,638
-3.9% YoY-0.4% QoQ
|
-987 |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
43% |
| Assets |
$10.6M
-4.0% YoY-1.9% QoQ
|
$-19.3M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
33% |
| Loans |
$2.3M
-11.2% YoY-8.8% QoQ
|
$-13.4M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
20% |
| Deposits |
$7.9M
-4.5% YoY-2.6% QoQ
|
$-17.6M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
32% |
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| ROA |
-0.6%
+75.0% YoY-36.2% QoQ
|
-1.3% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.7% in tier |
| NIM |
4.0%
-3.2% YoY+0.6% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
115.2%
+6.2% YoY-7.1% QoQ
|
+33.8% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 5.1% in tier |
| Delinquency Rate |
4.4%
+1.1% YoY+4.2% QoQ
|
+2.9 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Top 7.4% in tier |
| Loan To Share |
29.4%
-7.0% YoY-6.4% QoQ
|
-31.8% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.7% in tier |
| AMR |
$6,239
-2.3% YoY-3.7% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.6% in tier |
| CD Concentration |
17.9%
+0.5% YoY+3.1% QoQ
|
-6.5% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
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)