BlastPoint's Credit Union Scorecard
BIRMINGHAM CITY
Charter #64528 · AL
BIRMINGHAM CITY has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.66% above tier average
- + Net Interest Margin 4.53% above tier average
- + Strong member growth: 7.8% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.0% in tier
- + Member Growth Rate: Top 4.4% in tier
- + Members Per Employee (MPE): Top 5.7% in tier
- + Loan-to-Share Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 2.7% in tier
- - AMR Growth Rate: Bottom 4.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,617
+7.8% YoY+1.1% QoQ
|
-8 |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$9.3M
-0.9% YoY-4.0% QoQ
|
$-20.5M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
31% |
| Loans |
$6.7M
-10.3% YoY-6.6% QoQ
|
$-9.1M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
40% |
| Deposits |
$7.3M
-3.9% YoY-5.1% QoQ
|
$-18.2M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
30% |
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| ROA |
3.3%
+211.9% YoY-17.8% QoQ
|
+2.7% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Top 1.7% in tier |
| NIM |
8.5%
-0.2% YoY+2.4% QoQ
|
+4.5% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
Top 0.3% in tier |
| Efficiency Ratio |
63.5%
-17.8% YoY+9.1% QoQ
|
-17.9% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
19% |
| Delinquency Rate |
1.4%
+62.0% YoY+4.5% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
71% |
| Loan To Share |
92.0%
-6.6% YoY-1.6% QoQ
|
+30.8% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Top 9.4% in tier |
| AMR |
$5,346
-13.8% YoY-6.9% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.2% in tier |
| CD Concentration |
4.6%
+2.4% YoY-7.1% QoQ
|
-19.8% |
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)