BlastPoint's Credit Union Scorecard

ALABAMA STATE EMPLOYEES

Charter #64598 · AL

100M-500M

1024 CUs in 100M-500M nationally 21 in AL

ALABAMA STATE EMPLOYEES has 8 strengths but faces 8 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

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.08% above tier average
+ Net Interest Margin 0.09% above tier average
+ Total Members: Top 1.5% in tier
+ Total Deposits: Top 2.0% in tier
+ Total Assets: Top 2.1% in tier
+ Asset Growth Rate: Top 5.2% in tier
+ Deposit Growth Rate: Top 5.2% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Efficiency ratio 1.46% above tier (higher cost structure)
- Loan Growth Rate: Bottom 5.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Alabama.
Shares and deposits +11.9% year over year ($417M in shares and deposits).
Membership: 39,354 members, -1.7% vs a year ago.
Delinquency rate 0.31%.
Return on assets 0.94%.
Efficiency ratio 78.19% vs a 76.73% peer average.
Loan-to-share ratio 57.22% vs a 71.54% 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	39,354 -1.7% YoY+0.9% QoQ	+24.2K	15,168 -2.6% YoY	28,281 -1.7% YoY	34,678 +6.6% YoY	Top 1.6% in tier
Assets	$471.2M +12.0% YoY+2.2% QoQ	+$239.2M	$232.0M +0.7% YoY	$459.0M +7.0% YoY	$593.1M +10.2% YoY	Top 2.2% in tier
Loans	$238.4M -7.2% YoY-1.4% QoQ	+$92.1M	$146.3M +0.2% YoY	$266.3M +5.7% YoY	$418.6M +10.1% YoY	84%
Deposits	$416.6M +11.9% YoY+2.1% QoQ	+$215.9M	$200.7M +0.2% YoY	$400.1M +6.1% YoY	$504.8M +10.3% YoY	Top 2.1% in tier

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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	0.9% -8.0% YoY+31.1% QoQ	+0.1%	0.9% +12.5% YoY	1.1% +39.6% YoY	1.2% +121.4% YoY	61%
NIM	3.8% -8.8% YoY+2.1% QoQ	+0.1%	3.7% +4.5% YoY	3.7% +1.1% YoY	3.8% +2.3% YoY	56%
Efficiency Ratio	78.2% +8.0% YoY-0.9% QoQ	+1.5%	76.7% -0.8% YoY	82.1% +5.7% YoY	83.0% -5.3% YoY	52%
Delinquency Rate	0.3% +30.6% YoY+8.7% QoQ	-0.6	0.9% +6.6% YoY	1.4% -5.8% YoY	1.3% +2.6% YoY	19%
Loan To Share	57.2% -17.0% YoY-3.4% QoQ	-14.3%	71.5% -0.3% YoY	59.3% -1.7% YoY	66.4% -1.4% YoY	21%
AMR	$16,643 +5.9% YoY-0.1% QoQ	$-8K	$25,107 +3.2% YoY	$17,701 +4.0% YoY	$20,028 -0.9% YoY	15%
CD Concentration	13.5% +61.6% YoY+4.2% QoQ	-11.0%	24.6%	21.8%	20.0%	50%
Indirect Auto %	27.3% -15.2% YoY-5.6% QoQ	+13.7%	13.6%	5.2%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#394 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.91%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (6)

Indirect Auto Dependency

risk

#39 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 11.95%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 27.29%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -1.74%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Institutional Decline

decline

#72 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $471.17M

(Tier: $336.17M, National: $593.11M)

but better than tier avg

Member Growth (YoY): -1.74%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -7.21%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank worsening

Stagnation Risk

risk

#278 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.74%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -7.21%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.31%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Membership Headwinds

decline

#369 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.74%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#539 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Cost Spiral

risk

#82 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.77% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 72.43%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (9 metrics)

Total Members

engagement

Value: 39,354

Peer Median: 13,128

#16 of 1024 Top 1.5% in 100M-500M tier

Total Deposits

balance_sheet

Value: $416.60M

Peer Median: $170.77M

#21 of 1024 Top 2.0% in 100M-500M tier

Total Assets

balance_sheet

Value: $471.17M

Peer Median: $196.38M

#23 of 1024 Top 2.1% in 100M-500M tier

Asset Growth Rate

growth

Value: 11.95%

Peer Median: 4.12%

#54 of 1024 Top 5.2% in 100M-500M tier

Deposit Growth Rate

growth

Value: 11.85%

Peer Median: 3.58%

#54 of 1024 Top 5.2% in 100M-500M tier

125

First Mortgage Concentration (%)

balance_sheet

Value: 10.10%

Peer Median: 29.92%

#125 of 1024 Top 12.1% in 100M-500M tier

159

Total Loans

balance_sheet

Value: $238.38M

Peer Median: $124.04M

#159 of 1024 Top 15.4% in 100M-500M tier

177

Share Certificate Concentration (%)

balance_sheet

Value: 13.52%

Peer Median: 23.39%

#177 of 1024 Top 17.2% in 100M-500M tier

199

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Median: 0.71%

#199 of 1024 Top 19.3% in 100M-500M tier

Top Weaknesses (5 metrics)

974

Loan Growth Rate

growth

Value: -7.21%

Peer Median: 3.02%

#974 of 1024 Bottom 5.0% in 100M-500M tier

890

Loan-to-Member Ratio (LMR)

engagement

Value: $6,057

Peer Median: $9,434

#890 of 1024 Bottom 13.2% in 100M-500M tier

869

Average Member Relationship (AMR)

engagement

Value: $16,643

Peer Median: $23,006

#869 of 1024 Bottom 15.2% in 100M-500M tier

837

Indirect Auto Concentration (%)

balance_sheet

Value: 27.29%

Peer Median: 6.15%

#837 of 1024 Bottom 18.4% in 100M-500M tier

806

Loan-to-Share Ratio

balance_sheet

Value: 57.22%

Peer Median: 73.07%

#806 of 1024 Bottom 21.4% in 100M-500M tier