BlastPoint's Credit Union Scorecard

HEALTH

Charter #62664 · AL

2596 CUs in <100M nationally 54 in AL

HEALTH has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.86% above tier average

Key Concerns

Areas that may need attention

- ROA 0.71% below tier average
- Delinquency rate 1.22% above tier average
- Net Charge-Off Rate: Bottom 6.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	2,101 +0.8% YoY+1.0% QoQ	-524	2,625 -2.2% YoY	29,240 -2.8% YoY	33,089 +6.1% YoY	53%
Assets	$28.3M +1.4% YoY-0.6% QoQ	$-1.6M	$29.9M +1.1% YoY	$436.7M +7.4% YoY	$547.7M +7.8% YoY	58%
Loans	$17.9M -1.1% YoY+3.2% QoQ	+$2.1M	$15.8M -2.4% YoY	$258.0M +6.8% YoY	$388.7M +8.6% YoY	66%
Deposits	$21.7M +0.5% YoY-2.0% QoQ	$-3.8M	$25.5M +0.4% YoY	$382.5M +6.8% YoY	$464.6M +9.3% YoY	55%

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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	-0.0% -106.1% YoY-92.3% QoQ	-0.7%	0.7% -731.4% YoY	0.8% +31.6% YoY	0.7% +273.4% YoY	15%
NIM	4.8% +4.2% YoY+2.2% QoQ	+0.9%	3.9% +3.8% YoY	3.7% +6.4% YoY	3.7% +5.0% YoY	82%
Efficiency Ratio	61.5% -9.7% YoY-1.6% QoQ	-19.9%	81.4% -2.4% YoY	76.4% -6.2% YoY	79.1% -3.3% YoY	16%
Delinquency Rate	2.7% -5.4% YoY-19.9% QoQ	+1.2	1.5% -2.0% YoY	1.7% +18.9% YoY	1.2% -0.9% YoY	Top 13.7% in tier
Loan To Share	82.6% -1.6% YoY+5.4% QoQ	+21.4%	61.2% -3.0% YoY	60.8% -1.6% YoY	68.0% -1.7% YoY	81%
AMR	$18,823 -1.0% YoY-0.7% QoQ	+$4K	$14,627 -2.7% YoY	$17,062 +2.3% YoY	$19,418 +1.3% YoY	75%
CD Concentration	32.5% +1.8% YoY+0.9% QoQ	+8.1%	24.4% +4.2% YoY	20.8% +2.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	3.2% +574.3% QoQ	-10.8%	14.0% -5.7% YoY	5.4% -6.7% YoY	7.9% -2.9% YoY	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 2596 peers in tier

Top Strengths (6 metrics)

391

Loan-to-Member Ratio (LMR)

engagement

Value: $8,515

Peer Avg: -

#391 of 2596 Top 15.0% in <100M tier

419

Efficiency Ratio

profitability

Value: 61.52%

Peer Avg: -

#419 of 2596 Top 16.1% in <100M tier

444

Net Worth Ratio

risk

Value: 21.77%

Peer Avg: -

#444 of 2596 Top 17.1% in <100M tier

475

Net Interest Margin (NIM)

profitability

Value: 4.80%

Peer Avg: -

#475 of 2596 Top 18.3% in <100M tier

496

Loan-to-Share Ratio

balance_sheet

Value: 82.60%

Peer Avg: -

#496 of 2596 Top 19.1% in <100M tier

616

Fee Income Per Member

profitability

Value: $121.51

Peer Avg: -

#616 of 2596 Top 23.7% in <100M tier

Top Weaknesses (5 metrics)

2426

Net Charge-Off Rate

risk

Value: 1.81%

Peer Avg: -

#2426 of 2596 Bottom 6.6% in <100M tier

2270

Indirect Auto Concentration (%)

balance_sheet

Value: 3.18%

Peer Avg: -

#2270 of 2596 Bottom 12.6% in <100M tier

2241

Total Delinquency Rate (60+ days)

risk

Value: 2.73%

Peer Avg: -

#2241 of 2596 Bottom 13.7% in <100M tier

2223

Share Certificate Concentration (%)

balance_sheet

Value: 32.51%

Peer Avg: -

#2223 of 2596 Bottom 14.4% in <100M tier

2197

Return on Assets (ROA)

profitability

Value: -0.03%

Peer Avg: -

#2197 of 2596 Bottom 15.4% in <100M tier