BlastPoint's Credit Union Scorecard
ALABAMA STATE EMPLOYEES
Charter #64598 · AL
ALABAMA STATE EMPLOYEES has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 70.1% in tier
- + ROA 0.30% above tier average
- + Net Interest Margin 0.45% above tier average
- + Total Members: Top 1.6% in tier
- + Total Deposits: Top 4.8% in tier
- + Total Assets: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 3.8% in tier
- - Indirect Auto Dependency: Bottom 8.7% in tier
- - Stagnation Risk: Bottom 15.2% in tier
- - Membership Headwinds: Bottom 18.4% in tier
- - Member decline: -5.8% YoY
- - Loan Growth Rate: Bottom 4.3% in tier
- - Member Growth Rate: Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
39,166
-5.8% YoY-0.7% QoQ
|
+23.7K |
15,437
-2.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
Top 1.7% in tier |
| Assets |
$442.2M
+8.1% YoY+3.7% QoQ
|
+$210.3M |
$231.9M
+1.3% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
Top 5.4% in tier |
| Loans |
$248.9M
-8.9% YoY-1.4% QoQ
|
+$101.5M |
$147.3M
-0.1% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Top 14.1% in tier |
| Deposits |
$389.5M
+7.5% YoY+3.8% QoQ
|
+$188.7M |
$200.8M
+0.8% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Top 4.9% in tier |
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| ROA |
1.1%
+145.9% YoY-2.8% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
4.1%
-1.5% YoY-2.1% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
75% |
| Efficiency Ratio |
73.2%
-12.2% YoY+0.7% QoQ
|
-3.8% |
77.0%
-3.1% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.4%
-10.6% YoY+51.7% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
27% |
| Loan To Share |
63.9%
-15.2% YoY-5.0% QoQ
|
-8.3% |
72.2%
-1.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$16,300
+6.6% YoY+2.4% QoQ
|
$-8K |
$24,676
+3.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.9% in tier |
| CD Concentration |
10.8%
+35.4% YoY+17.6% QoQ
|
-13.7% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
29.8%
-11.8% YoY-4.3% QoQ
|
+16.1% | 13.8% | 5.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)