BlastPoint's Credit Union Scorecard

AOD

Charter #6680 · AL

100M-500M

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

AOD has 6 strengths but faces 5 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

+ ROA 0.45% above tier average
+ Net Interest Margin 0.11% above tier average
+ Total Members: Top 2.1% in tier
+ Total Assets: Top 3.3% in tier
+ Total Deposits: Top 4.1% in tier
+ Members Per Employee (MPE): Top 9.6% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier

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 +3.8% year over year ($395M in shares and deposits).
Membership: 37,793 members, +0.4% vs a year ago.
Delinquency rate 0.53%.
Return on assets 1.31%.
Efficiency ratio 70.99% vs a 76.73% peer average.
Loan-to-share ratio 63.86% 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	37,793 +0.4% YoY+0.1% QoQ	+22.6K	15,168 -2.6% YoY	28,281 -1.7% YoY	34,678 +6.6% YoY	Top 2.2% in tier
Assets	$466.7M +5.4% YoY+1.0% QoQ	+$234.6M	$232.0M +0.7% YoY	$459.0M +7.0% YoY	$593.1M +10.2% YoY	Top 3.4% in tier
Loans	$252.4M +3.8% YoY+0.8% QoQ	+$106.1M	$146.3M +0.2% YoY	$266.3M +5.7% YoY	$418.6M +10.1% YoY	Top 12.8% in tier
Deposits	$395.2M +3.8% YoY+0.4% QoQ	+$194.5M	$200.7M +0.2% YoY	$400.1M +6.1% YoY	$504.8M +10.3% YoY	Top 4.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.3% -14.4% YoY+14.8% QoQ	+0.4%	0.9% +12.5% YoY	1.1% +39.6% YoY	1.2% +121.4% YoY	81%
NIM	3.8% -3.8% YoY-0.2% QoQ	+0.1%	3.7% +4.5% YoY	3.7% +1.1% YoY	3.8% +2.3% YoY	58%
Efficiency Ratio	71.0% +8.0% YoY-2.5% QoQ	-5.7%	76.7% -0.8% YoY	82.1% +5.7% YoY	83.0% -5.3% YoY	28%
Delinquency Rate	0.5% +41.7% YoY-27.3% QoQ	-0.4	0.9% +6.6% YoY	1.4% -5.8% YoY	1.3% +2.6% YoY	38%
Loan To Share	63.9% +0.0% YoY+0.4% QoQ	-7.7%	71.5% -0.3% YoY	59.3% -1.7% YoY	66.4% -1.4% YoY	32%
AMR	$17,135 +3.4% YoY+0.4% QoQ	$-8K	$25,107 +3.2% YoY	$17,701 +4.0% YoY	$20,028 -0.9% YoY	17%
CD Concentration	15.0% -6.8% YoY-1.0% QoQ	-9.6%	24.6%	21.8%	20.0%	50%
Indirect Auto %	5.0% -21.6% YoY-5.6% QoQ	-8.6%	13.6%	5.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Margin Compression

decline

#40 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.31%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.53%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.22% points

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

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Credit Quality Pressure

risk

#394 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): 0.16% 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 | Rank improving

Liquidity Overhang

risk

#94 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.36%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 63.86%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | New qualifier

Credit Risk Growth

risk

#341 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): 3.77%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.16% 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 | Rank worsening

Cost Spiral

risk

#74 of 95 • 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: 5.24% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 65.75%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 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 1024 peers in tier

Top Strengths (8 metrics)

Total Members

engagement

Value: 37,793

Peer Median: 13,128

#23 of 1024 Top 2.1% in 100M-500M tier

Total Assets

balance_sheet

Value: $466.66M

Peer Median: $196.38M

#35 of 1024 Top 3.3% in 100M-500M tier

Total Deposits

balance_sheet

Value: $395.19M

Peer Median: $170.77M

#43 of 1024 Top 4.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 460.890

Peer Median: 310.924

#99 of 1024 Top 9.6% in 100M-500M tier

108

Net Worth Ratio

risk

Value: 16.36%

Peer Median: 11.71%

#108 of 1024 Top 10.4% in 100M-500M tier

131

Total Loans

balance_sheet

Value: $252.37M

Peer Median: $124.04M

#131 of 1024 Top 12.7% in 100M-500M tier

194

Return on Assets (ROA)

profitability

Value: 1.31%

Peer Median: 0.75%

#194 of 1024 Top 18.8% in 100M-500M tier

219

Share Certificate Concentration (%)

balance_sheet

Value: 15.00%

Peer Median: 23.39%

#219 of 1024 Top 21.3% in 100M-500M tier

Top Weaknesses (2 metrics)

853

Average Member Relationship (AMR)

engagement

Value: $17,135

Peer Median: $23,006

#853 of 1024 Bottom 16.8% in 100M-500M tier

835

Loan-to-Member Ratio (LMR)

engagement

Value: $6,678

Peer Median: $9,434

#835 of 1024 Bottom 18.6% in 100M-500M tier