BlastPoint's Credit Union Scorecard

AOD

Charter #6680 · AL

1069 CUs in 100M-500M nationally 19 in AL

AOD has 6 strengths but faces 4 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 77.7% in tier
+ ROA 0.70% above tier average
+ Net Interest Margin 0.36% above tier average
+ Total Members: Top 2.1% in tier
+ Total Assets: Top 4.2% in tier
+ Total Deposits: Top 4.2% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 4.0% in tier
- Credit Quality Pressure: Bottom 11.1% in tier
- Liquidity Overhang: Bottom 79.8% in tier
- Delinquency rate 0.14% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	37,663 +0.3% YoY-0.0% QoQ	+22.2K	15,437 -2.9% YoY	27,849 -7.3% YoY	33,374 +5.7% YoY	Top 2.2% in tier
Assets	$453.3M +4.5% YoY+1.3% QoQ	+$221.4M	$231.9M +1.3% YoY	$442.6M +8.5% YoY	$561.6M +9.7% YoY	Top 4.3% in tier
Loans	$262.8M +12.1% YoY+1.0% QoQ	+$115.5M	$147.3M -0.1% YoY	$260.4M +7.2% YoY	$397.0M +8.8% YoY	Top 11.4% in tier
Deposits	$396.4M +3.2% YoY+3.9% QoQ	+$195.6M	$200.8M +0.8% YoY	$387.0M +6.9% YoY	$477.3M +9.7% YoY	Top 4.3% 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	1.5% +4.1% YoY+2.3% QoQ	+0.7%	0.8% +18.2% YoY	0.7% +32.7% YoY	0.7% +15.9% YoY	Top 11.5% in tier
NIM	4.0% +11.5% YoY-0.1% QoQ	+0.4%	3.6% +6.7% YoY	3.7% +4.6% YoY	3.8% +5.1% YoY	71%
Efficiency Ratio	64.7% -3.4% YoY-3.1% QoQ	-12.3%	77.0% -3.1% YoY	78.3% -5.6% YoY	79.7% -3.3% YoY	Bottom 14.5% in tier
Delinquency Rate	1.0% +207.8% YoY+165.7% QoQ	+0.1	0.9% +4.2% YoY	1.7% +25.2% YoY	1.3% -2.1% YoY	71%
Loan To Share	66.3% +8.7% YoY-2.8% QoQ	-5.9%	72.2% -1.1% YoY	60.7% -1.8% YoY	67.4% -1.7% YoY	34%
AMR	$17,504 +6.3% YoY+2.8% QoQ	$-7K	$24,676 +3.4% YoY	$17,441 +4.4% YoY	$19,687 +2.0% YoY	19%
CD Concentration	15.3% -9.3% YoY-3.1% QoQ	-9.2%	24.4%	21.2%	19.8%	50%
Indirect Auto %	5.4% -12.7% YoY+14.1% QoQ	-8.4%	13.8%	5.2%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#399 of 513 • Top 77.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.25%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (3)

Credit Risk Growth

risk

#19 of 456 • Bottom 4.0% in tier

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

Why This Signature

Loan Growth (YoY): 12.12%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.70% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#79 of 705 • Bottom 11.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.70% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Liquidity Overhang

risk

#108 of 135 • Bottom 79.8% in tier

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

Why This Signature

Net Worth Ratio: 16.18%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 66.31%

(Tier: 74.08%, National: 67.44%)

worse than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 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 1069 peers in tier

Top Strengths (10 metrics)

Total Members

engagement

Value: 37,663

Peer Median: -

#23 of 1069 Top 2.1% in 100M-500M tier

Total Assets

balance_sheet

Value: $453.28M

Peer Median: -

#46 of 1069 Top 4.2% in 100M-500M tier

Total Deposits

balance_sheet

Value: $396.40M

Peer Median: -

#46 of 1069 Top 4.2% in 100M-500M tier

114

Net Worth Ratio

risk

Value: 16.18%

Peer Median: -

#114 of 1069 Top 10.6% in 100M-500M tier

122

Loan Growth Rate

growth

Value: 12.12%

Peer Median: -

#122 of 1069 Top 11.3% in 100M-500M tier

122

Total Loans

balance_sheet

Value: $262.85M

Peer Median: -

#122 of 1069 Top 11.3% in 100M-500M tier

123

Return on Assets (ROA)

profitability

Value: 1.46%

Peer Median: -

#123 of 1069 Top 11.4% in 100M-500M tier

123

Members Per Employee (MPE)

engagement

Value: 448.369

Peer Median: -

#123 of 1069 Top 11.4% in 100M-500M tier

156

Efficiency Ratio

profitability

Value: 64.69%

Peer Median: -

#156 of 1069 Top 14.5% in 100M-500M tier

249

Share Certificate Concentration (%)

balance_sheet

Value: 15.25%

Peer Median: -

#249 of 1069 Top 23.2% in 100M-500M tier

Top Weaknesses (3 metrics)

870

Average Member Relationship (AMR)

engagement

Value: $17,504

Peer Median: -

#870 of 1069 Bottom 18.7% in 100M-500M tier

828

Loan-to-Member Ratio (LMR)

engagement

Value: $6,979

Peer Median: -

#828 of 1069 Bottom 22.6% in 100M-500M tier

811

Net Charge-Off Rate

risk

Value: 0.63%

Peer Median: -

#811 of 1069 Bottom 24.2% in 100M-500M tier