BlastPoint's Credit Union Scorecard
CREDIT UNION 1
Charter #66157 · AK
CREDIT UNION 1 has 6 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does AK stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 12.8% in tier
- + Emerging Performer: Top 26.8% in tier
- + Profitability Leader: Top 53.2% in tier
- + ROA 0.52% above tier average
- + Net Interest Margin 1.35% above tier average
- + Share Certificate Concentration (%): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.6% in tier
- - Indirect Auto Dependency: Bottom 23.9% in tier
- - Delinquency rate 0.22% above tier average
- - Members Per Employee (MPE): Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
95,084
+2.8% YoY+0.9% QoQ
|
-3.6K |
98,678
-1.9% YoY
|
113,900
+3.3% YoY
|
33,089
+6.1% YoY
|
56% |
| Assets |
$1.5B
+3.8% YoY+1.2% QoQ
|
$-218.4M |
$1.7B
+0.5% YoY
|
$1.8B
+11.8% YoY
|
$547.7M
+7.8% YoY
|
49% |
| Loans |
$1.2B
+10.3% YoY+2.9% QoQ
|
$-38.9M |
$1.2B
+0.5% YoY
|
$1.5B
+8.8% YoY
|
$388.7M
+8.6% YoY
|
58% |
| Deposits |
$1.2B
+5.4% YoY+1.0% QoQ
|
$-255.8M |
$1.5B
+1.3% YoY
|
$1.6B
+14.4% YoY
|
$464.6M
+9.3% YoY
|
42% |
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| ROA |
1.2%
+46.1% YoY+38.1% QoQ
|
+0.5% |
0.7%
+13.4% YoY
|
0.6%
+34.6% YoY
|
0.7%
+273.4% YoY
|
Top 11.8% in tier |
| NIM |
4.6%
+9.6% YoY+2.7% QoQ
|
+1.3% |
3.3%
+9.3% YoY
|
4.2%
+5.6% YoY
|
3.7%
+5.0% YoY
|
Top 2.3% in tier |
| Efficiency Ratio |
68.3%
-7.6% YoY-5.7% QoQ
|
-5.6% |
74.0%
-10.9% YoY
|
78.1%
-3.3% YoY
|
79.1%
-3.3% YoY
|
27% |
| Delinquency Rate |
1.0%
-14.5% YoY-4.1% QoQ
|
+0.2 |
0.8%
+6.1% YoY
|
0.8%
-14.6% YoY
|
1.2%
-0.9% YoY
|
77% |
| Loan To Share |
99.6%
+4.7% YoY+1.8% QoQ
|
+14.4% |
85.2%
-0.8% YoY
|
77.0%
-0.7% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$25,165
+4.9% YoY+1.0% QoQ
|
$-4K |
$29,172
+2.8% YoY
|
$25,886
+3.8% YoY
|
$19,418
+1.3% YoY
|
36% |
| CD Concentration |
15.8%
+13.9% YoY+2.8% QoQ
|
-13.2% |
29.0%
+0.7% YoY
|
21.9%
+3.2% YoY
|
19.6%
+6.2% YoY
|
Bottom 7.4% in tier |
| Indirect Auto % |
23.5%
-2.4% YoY+0.5% QoQ
|
+4.8% |
18.8%
-3.0% YoY
|
15.6%
-2.3% YoY
|
7.9%
-2.9% YoY
|
65% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)