BlastPoint's Credit Union Scorecard
BIRMINGHAM CITY
Charter #64528 · AL
BIRMINGHAM CITY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.97% above tier average
- + Member Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.01% below tier average
- - Efficiency ratio 2.98% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 3.0% in tier
- - Average Member Relationship (AMR): Bottom 9.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 52 that size in Alabama.
- Shares and deposits +2.0% year over year ($7.8M in shares and deposits).
- Membership: 2,692 members, +4.0% vs a year ago.
- Delinquency rate 0.92%.
- Return on assets 0.48%.
- Efficiency ratio 91.74% vs a 88.77% peer average.
- Loan-to-share ratio 85.31% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,692
+4.0% YoY+1.2% QoQ
|
+106 |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
63% |
| Assets |
$9.7M
-0.5% YoY-5.0% QoQ
|
$-20.6M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
31% |
| Loans |
$6.7M
-6.9% YoY+3.7% QoQ
|
$-8.8M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
41% |
| Deposits |
$7.8M
+2.0% YoY-3.4% QoQ
|
$-18.0M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
31% |
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| ROA |
0.5%
-88.3% YoY-633.9% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
7.9%
-4.7% YoY+3.8% QoQ
|
+4.0% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
Top 0.5% in tier |
| Efficiency Ratio |
91.7%
+57.7% YoY-9.1% QoQ
|
+3.0% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
0.9%
-32.8% YoY+254.9% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
58% |
| Loan To Share |
85.3%
-8.8% YoY+7.3% QoQ
|
+26.4% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Top 14.0% in tier |
| AMR |
$5,393
-6.1% YoY-1.4% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 9.8% in tier |
| CD Concentration |
8.3%
+68.3% YoY+30.8% QoQ
|
-16.2% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 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)