BlastPoint's Credit Union Scorecard

ALABAMA STATE EMPLOYEES

Charter #64598 · AL

100M-500M

1070 CUs in 100M-500M nationally 21 in AL

ALABAMA STATE EMPLOYEES has 5 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
+ Net Interest Margin 0.06% above tier average
+ Total Members: Top 1.3% in tier
+ Total Deposits: Top 2.7% in tier
+ Total Assets: Top 3.4% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Efficiency ratio 0.91% above tier (higher cost structure)
- Member decline: -4.9% YoY
- Loan Growth Rate: Bottom 4.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	39,014 -4.9% YoY-0.4% QoQ	+23.9K	15,145 -2.5% YoY	28,055 -6.4% YoY	33,913 +5.7% YoY	Top 1.4% in tier
Assets	$460.9M +9.5% YoY+4.2% QoQ	+$229.2M	$231.7M +0.8% YoY	$451.2M +7.2% YoY	$578.3M +9.0% YoY	Top 3.5% in tier
Loans	$241.8M -8.6% YoY-2.8% QoQ	+$97.7M	$144.1M +0.2% YoY	$260.3M +6.6% YoY	$402.4M +8.7% YoY	Top 14.7% in tier
Deposits	$408.1M +9.4% YoY+4.8% QoQ	+$207.0M	$201.1M +0.4% YoY	$395.2M +6.0% YoY	$494.3M +9.1% YoY	Top 2.8% 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	0.7% -25.9% YoY-32.6% QoQ	+0.0%	0.7% +5.1% YoY	0.6% -14.6% YoY	0.4% -39.2% YoY	52%
NIM	3.7% -10.7% YoY-8.9% QoQ	+0.1%	3.6% +4.6% YoY	3.7% +0.6% YoY	3.8% +4.1% YoY	55%
Efficiency Ratio	78.9% +7.8% YoY+7.8% QoQ	+0.9%	78.0% -1.7% YoY	80.4% -0.1% YoY	84.6% +2.8% YoY	51%
Delinquency Rate	0.3% -7.4% YoY-34.4% QoQ	-0.5	0.8% +7.1% YoY	1.6% +17.5% YoY	1.2% +3.4% YoY	21%
Loan To Share	59.3% -16.5% YoY-7.2% QoQ	-11.2%	70.4% -0.4% YoY	59.2% -1.1% YoY	65.6% -1.4% YoY	25%
AMR	$16,660 +7.1% YoY+2.2% QoQ	$-8K	$24,918 +2.7% YoY	$17,504 +3.5% YoY	$19,920 +1.6% YoY	Bottom 14.9% in tier
CD Concentration	13.0% +59.6% YoY+20.7% QoQ	-11.3%	24.3%	21.3%	19.8%	50%
Indirect Auto %	28.9% -12.0% YoY-3.2% QoQ	+15.1%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#267 of 491 • 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): 7.12%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (5)

Institutional Decline

decline

#13 of 250 • 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: $460.94M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -4.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -8.62%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Indirect Auto Dependency

risk

#27 of 504 • 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): 9.48%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 28.90%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -4.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Stagnation Risk

risk

#114 of 570 • 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): -4.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -8.62%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.29%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#134 of 570 • 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): -4.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Cost Spiral

risk

#75 of 83 • 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: 5.74% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 60.38%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 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 1070 peers in tier

Top Strengths (10 metrics)

Total Members

engagement

Value: 39,014

Peer Median: 13,200

#15 of 1070 Top 1.3% in 100M-500M tier

Total Deposits

balance_sheet

Value: $408.13M

Peer Median: $171.29M

#30 of 1070 Top 2.7% in 100M-500M tier

Total Assets

balance_sheet

Value: $460.94M

Peer Median: $196.57M

#37 of 1070 Top 3.4% in 100M-500M tier

118

Deposit Growth Rate

growth

Value: 9.38%

Peer Median: 3.30%

#118 of 1070 Top 10.9% in 100M-500M tier

126

First Mortgage Concentration (%)

balance_sheet

Value: 9.48%

Peer Median: 29.47%

#126 of 1070 Top 11.7% in 100M-500M tier

127

Asset Growth Rate

growth

Value: 9.48%

Peer Median: 3.91%

#127 of 1070 Top 11.8% in 100M-500M tier

157

Total Loans

balance_sheet

Value: $241.84M

Peer Median: $121.41M

#157 of 1070 Top 14.6% in 100M-500M tier

179

Share Certificate Concentration (%)

balance_sheet

Value: 12.98%

Peer Median: 23.10%

#179 of 1070 Top 16.6% in 100M-500M tier

206

AMR Growth Rate

growth

Value: 7.12%

Peer Median: 3.46%

#206 of 1070 Top 19.2% in 100M-500M tier

225

Total Delinquency Rate (60+ days)

risk

Value: 0.29%

Peer Median: 0.61%

#225 of 1070 Top 20.9% in 100M-500M tier

Top Weaknesses (6 metrics)

1026

Loan Growth Rate

growth

Value: -8.62%

Peer Median: 2.93%

#1026 of 1070 Bottom 4.2% in 100M-500M tier

958

Member Growth Rate

growth

Value: -4.87%

Peer Median: -0.06%

#958 of 1070 Bottom 10.6% in 100M-500M tier

911

Average Member Relationship (AMR)

engagement

Value: $16,660

Peer Median: $22,931

#911 of 1070 Bottom 15.0% in 100M-500M tier

903

Loan-to-Member Ratio (LMR)

engagement

Value: $6,199

Peer Median: $9,356

#903 of 1070 Bottom 15.7% in 100M-500M tier

896

Indirect Auto Concentration (%)

balance_sheet

Value: 28.90%

Peer Median: 6.61%

#896 of 1070 Bottom 16.4% in 100M-500M tier

824

Net Charge-Off Rate

risk

Value: 0.68%

Peer Median: 0.35%

#824 of 1070 Bottom 23.1% in 100M-500M tier