BlastPoint's Credit Union Scorecard
AOD
Charter #6680 · AL
AOD has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.41% above tier average
- + Net Interest Margin 0.17% above tier average
- + Total Members: Top 1.9% in tier
- + Total Assets: Top 3.3% in tier
- + Total Deposits: Top 4.1% in tier
- + Members Per Employee (MPE): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,753
+0.5% YoY+0.2% QoQ
|
+22.6K |
15,145
-2.5% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
Top 2.0% in tier |
| Assets |
$462.0M
+4.6% YoY+1.9% QoQ
|
+$230.3M |
$231.7M
+0.8% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
Top 3.4% in tier |
| Loans |
$250.4M
+4.0% YoY-4.7% QoQ
|
+$106.3M |
$144.1M
+0.2% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
Top 12.6% in tier |
| Deposits |
$393.6M
+2.9% YoY-0.7% QoQ
|
+$192.4M |
$201.1M
+0.4% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Top 4.2% in tier |
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| ROA |
1.1%
+29.3% YoY-21.9% QoQ
|
+0.4% |
0.7%
+5.1% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
77% |
| NIM |
3.8%
-3.1% YoY-4.2% QoQ
|
+0.2% |
3.6%
+4.6% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
63% |
| Efficiency Ratio |
72.8%
-3.5% YoY+12.6% QoQ
|
-5.2% |
78.0%
-1.7% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
31% |
| Delinquency Rate |
0.7%
+237.7% YoY-30.1% QoQ
|
+0.0 |
0.8%
+7.1% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
59% |
| Loan To Share |
63.6%
+1.1% YoY-4.0% QoQ
|
-6.8% |
70.4%
-0.4% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$17,059
+2.8% YoY-2.5% QoQ
|
$-8K |
$24,918
+2.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration |
15.2%
-10.7% YoY-0.7% QoQ
|
-9.1% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % |
5.3%
-23.2% YoY-1.4% QoQ
|
-8.5% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)