BlastPoint's Credit Union Scorecard
EMBLEM
Charter #67252 · AL
EMBLEM has 4 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does AL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 4.0% in tier
- + Wallet Share Momentum: Top 4.0% in tier
- + ROA 0.44% above tier average
- + AMR Growth Rate: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 93.2% in tier
- - Stagnation Risk: Bottom 93.2% in tier
- - Member decline: -6.1% YoY
- - Member Growth Rate: Bottom 4.2% in tier
- - Share Certificate Concentration (%): Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
29,577
-6.1% YoY+0.6% QoQ
|
-8.5K |
38,079
-4.8% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
20% |
| Assets |
$619.2M
+7.9% YoY+3.7% QoQ
|
$-521K |
$619.7M
-0.2% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
50% |
| Loans |
$468.2M
+8.6% YoY+1.9% QoQ
|
+$48.9M |
$419.3M
-1.4% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
70% |
| Deposits |
$550.2M
+6.7% YoY+3.7% QoQ
|
+$10.7M |
$539.5M
-0.1% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
58% |
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| ROA |
1.1%
+94.3% YoY+11.2% QoQ
|
+0.4% |
0.7%
+36.0% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
80% |
| NIM |
3.3%
+10.9% YoY+2.7% QoQ
|
-0.1% |
3.5%
+4.5% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
40% |
| Efficiency Ratio |
73.1%
-5.3% YoY+3.8% QoQ
|
-5.3% |
78.4%
-3.7% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
24% |
| Delinquency Rate |
0.4%
-47.8% YoY-35.0% QoQ
|
-0.3 |
0.7%
-0.9% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
30% |
| Loan To Share |
85.1%
+1.8% YoY-1.7% QoQ
|
+7.4% |
77.7%
-1.2% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
68% |
| AMR |
$34,431
+14.6% YoY+2.2% QoQ
|
+$8K |
$26,927
+3.1% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
Top 13.8% in tier |
| CD Concentration |
37.2%
+2.2% YoY-0.4% QoQ
|
+12.9% | 24.3% | 21.3% | 19.8% | Top 9.9% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)