BlastPoint's Credit Union Scorecard

ECO

Charter #65464 · AL

100M-500M

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

ECO has 2 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
+ AMR Growth Rate: Top 3.9% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.20% below tier average
- Efficiency ratio 4.26% above tier (higher cost structure)
- Member decline: -8.7% YoY

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 +2.3% year over year ($180M in shares and deposits).
Membership: 14,864 members, -8.7% vs a year ago.
Delinquency rate 0.86%.
Return on assets 0.66%.
Efficiency ratio 81.00% vs a 76.73% peer average.
Loan-to-share ratio 55.53% 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	14,864 -8.7% YoY-0.0% QoQ	-304	15,168 -2.6% YoY	28,281 -1.7% YoY	34,678 +6.6% YoY	59%
Assets	$195.1M +4.9% YoY+0.4% QoQ	$-36.9M	$232.0M +0.7% YoY	$459.0M +7.0% YoY	$593.1M +10.2% YoY	50%
Loans	$99.8M +8.3% YoY+0.8% QoQ	$-46.5M	$146.3M +0.2% YoY	$266.3M +5.7% YoY	$418.6M +10.1% YoY	36%
Deposits	$179.7M +2.3% YoY-0.0% QoQ	$-21.0M	$200.7M +0.2% YoY	$400.1M +6.1% YoY	$504.8M +10.3% YoY	53%

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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% +143.7% YoY+81.1% QoQ	-0.2%	0.9% +12.5% YoY	1.1% +39.6% YoY	1.2% +121.4% YoY	41%
NIM	3.1% +8.2% YoY+3.0% QoQ	-0.6%	3.7% +4.5% YoY	3.7% +1.1% YoY	3.8% +2.3% YoY	19%
Efficiency Ratio	81.0% -8.4% YoY-5.9% QoQ	+4.3%	76.7% -0.8% YoY	82.1% +5.7% YoY	83.0% -5.3% YoY	61%
Delinquency Rate	0.9% +33.5% YoY+4.9% QoQ	+0.0	0.9% +6.6% YoY	1.4% -5.8% YoY	1.3% +2.6% YoY	61%
Loan To Share	55.5% +5.8% YoY+0.8% QoQ	-16.0%	71.5% -0.3% YoY	59.3% -1.7% YoY	66.4% -1.4% YoY	18%
AMR	$18,804 +14.3% YoY+0.3% QoQ	$-6K	$25,107 +3.2% YoY	$17,701 +4.0% YoY	$20,028 -0.9% YoY	25%
CD Concentration	15.8% +4.4% YoY+0.1% QoQ	-8.8%	24.6%	21.8%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	5.2%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#51 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): 14.32%

(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 | New qualifier

Concerns (5)

Membership Headwinds

decline

#54 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): -8.69%

(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 | New qualifier

Credit Risk Growth

risk

#138 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.31%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.22% points

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

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Stagnation Risk

risk

#224 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): -8.69%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 8.31%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.86%

(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 | New qualifier

Credit Quality Pressure

risk

#324 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): 0.22% 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

Efficiency Drag

risk

#522 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.00%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.39% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -8.69%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

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 (4 metrics)

AMR Growth Rate

growth

Value: 14.32%

Peer Median: 3.53%

#41 of 1024 Top 3.9% in 100M-500M tier

196

Members Per Employee (MPE)

engagement

Value: 401.730

Peer Median: 310.924

#196 of 1024 Top 19.0% in 100M-500M tier

228

Loan Growth Rate

growth

Value: 8.31%

Peer Median: 3.02%

#228 of 1024 Top 22.2% in 100M-500M tier

244

Share Certificate Concentration (%)

balance_sheet

Value: 15.79%

Peer Median: 23.39%

#244 of 1024 Top 23.7% in 100M-500M tier

Top Weaknesses (5 metrics)

981

Member Growth Rate

growth

Value: -8.69%

Peer Median: -0.03%

#981 of 1024 Bottom 4.3% in 100M-500M tier

920

First Mortgage Concentration (%)

balance_sheet

Value: 54.01%

Peer Median: 29.92%

#920 of 1024 Bottom 10.3% in 100M-500M tier

837

Loan-to-Share Ratio

balance_sheet

Value: 55.53%

Peer Median: 73.07%

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

830

Loan-to-Member Ratio (LMR)

engagement

Value: $6,714

Peer Median: $9,434

#830 of 1024 Bottom 19.0% in 100M-500M tier

825

Net Interest Margin (NIM)

profitability

Value: 3.13%

Peer Median: 3.67%

#825 of 1024 Bottom 19.5% in 100M-500M tier