BlastPoint's Credit Union Scorecard
OPP-MICOLAS
Charter #62486 · AL
OPP-MICOLAS faces 7 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.33% below tier average
- - Efficiency ratio 39.04% above tier (higher cost structure)
- - Delinquency rate 2.31% above tier average
- - Member decline: -3.0% YoY
- - Total Delinquency Rate (60+ days): Bottom 8.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.4% in tier
- - First Mortgage Concentration (%): Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,622
-3.0% YoY-0.4% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
43% |
| Assets |
$10.4M
-2.9% YoY+0.7% QoQ
|
$-19.8M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
32% |
| Loans |
$2.5M
-4.3% YoY+3.3% QoQ
|
$-12.8M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
21% |
| Deposits |
$7.8M
-3.3% YoY+1.4% QoQ
|
$-18.0M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
31% |
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| ROA |
-1.2%
-35.2% YoY+135.3% QoQ
|
-1.3% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.3% in tier |
| NIM |
3.8%
-1.9% YoY-5.6% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
129.7%
-10.6% YoY+15.9% QoQ
|
+39.0% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.7% in tier |
| Delinquency Rate |
3.8%
-12.1% YoY+2223.4% QoQ
|
+2.3 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.3% in tier |
| Loan To Share |
32.1%
-1.0% YoY+1.8% QoQ
|
-26.4% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 13.2% in tier |
| AMR |
$6,340
-0.5% YoY+2.3% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 12.7% in tier |
| CD Concentration |
18.1%
+4.4% YoY-0.3% QoQ
|
-6.1% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 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)