BlastPoint's Credit Union Scorecard
BIRMINGHAM CITY
Charter #64528 · AL
BIRMINGHAM CITY has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.58% above tier average
- + Member Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Efficiency ratio 10.29% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 2.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,661
+4.1% YoY+0.5% QoQ
|
-15 |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
63% |
| Assets |
$10.2M
+6.0% YoY+2.5% QoQ
|
$-20.0M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
32% |
| Loans |
$6.4M
-11.0% YoY-6.3% QoQ
|
$-8.8M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
40% |
| Deposits |
$8.1M
+6.0% YoY+2.8% QoQ
|
$-17.7M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
31% |
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| ROA |
-0.1%
-101.4% YoY-103.7% QoQ
|
-0.2% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
7.6%
-12.1% YoY-8.7% QoQ
|
+3.6% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Top 0.8% in tier |
| Efficiency Ratio |
100.9%
+103.7% YoY+43.2% QoQ
|
+10.3% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.8% in tier |
| Delinquency Rate |
0.3%
-84.5% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
32% |
| Loan To Share |
79.5%
-16.1% YoY-8.8% QoQ
|
+21.0% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
81% |
| AMR |
$5,470
-6.1% YoY-1.9% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.3% in tier |
| CD Concentration |
6.4%
+37.3% YoY-4.8% QoQ
|
-17.9% | 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)