BlastPoint's Credit Union Scorecard
BIRMINGHAM CITY
Charter #64528 · AL
BIRMINGHAM CITY has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.77% above tier average
- + Net Interest Margin 4.36% above tier average
- + Fee Income Per Member: Top 2.7% in tier
- + Member Growth Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.12% above tier average
- - Net Charge-Off Rate: Bottom 3.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,648
+4.3% YoY+1.2% QoQ
|
+32 |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$9.9M
+9.1% YoY+6.4% QoQ
|
$-20.2M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$6.9M
-9.6% YoY+2.7% QoQ
|
$-8.9M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$7.9M
+8.4% YoY+8.3% QoQ
|
$-17.8M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
31% |
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| ROA |
2.4%
+1380.7% YoY-28.5% QoQ
|
+1.8% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Top 3.1% in tier |
| NIM |
8.3%
-4.8% YoY-1.9% QoQ
|
+4.4% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Top 0.3% in tier |
| Efficiency Ratio |
70.5%
-17.0% YoY+11.0% QoQ
|
-12.1% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
1.7%
+70.1% YoY+16.9% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
87.2%
-16.6% YoY-5.2% QoQ
|
+26.6% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Top 12.9% in tier |
| AMR |
$5,579
-4.9% YoY+4.4% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.8% in tier |
| CD Concentration |
6.7%
+54.8% YoY+45.3% QoQ
|
-17.7% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 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)