BlastPoint's Credit Union Scorecard
ALABAMA STATE EMPLOYEES
Charter #64598 · AL
ALABAMA STATE EMPLOYEES has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 51.5% in tier
- + Credit Quality Leader: Top 67.0% in tier
- + ROA 0.31% above tier average
- + Net Interest Margin 0.56% above tier average
- + Total Members: Top 1.6% in tier
- + Total Deposits: Top 6.1% in tier
- + Total Assets: Top 7.2% in tier
- + Share Certificate Concentration (%): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 0.5% in tier
- - Indirect Auto Dependency: Bottom 3.1% in tier
- - Membership Headwinds: Bottom 3.5% in tier
- - Stagnation Risk: Bottom 4.0% in tier
- - Member decline: -7.8% YoY
- - Loan Growth Rate: Bottom 4.3% in tier
- - Member Growth Rate: Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
39,423
-7.8% YoY-1.6% QoQ
|
+23.8K |
15,628
-3.4% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
Top 1.7% in tier |
| Assets |
$426.3M
+6.1% YoY+1.3% QoQ
|
+$195.0M |
$231.3M
-0.0% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Top 7.3% in tier |
| Loans |
$252.4M
-9.4% YoY-1.8% QoQ
|
+$104.6M |
$147.8M
-1.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
Top 13.8% in tier |
| Deposits |
$375.2M
+5.6% YoY+0.7% QoQ
|
+$174.9M |
$200.3M
-0.0% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Top 6.2% in tier |
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| ROA |
1.1%
+66.5% YoY+7.1% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
71% |
| NIM |
4.1%
+0.5% YoY+0.2% QoQ
|
+0.6% |
3.6%
+6.9% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
72.7%
-9.7% YoY+0.4% QoQ
|
-4.6% |
77.3%
-3.0% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.3%
-30.3% YoY+20.7% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
18% |
| Loan To Share |
67.3%
-14.2% YoY-2.5% QoQ
|
-5.4% |
72.7%
-1.5% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
34% |
| AMR |
$15,920
+7.4% YoY+1.3% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.5% in tier |
| CD Concentration |
9.1%
+20.2% YoY+9.3% QoQ
|
-15.3% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
31.2%
+3.2% YoY-3.1% QoQ
|
+17.2% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)