BlastPoint's Credit Union Scorecard
EMBLEM
Charter #67252 · AL
EMBLEM has 5 strengths but faces 4 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 7.1% in tier
- + Wallet Share Momentum: Top 15.2% in tier
- + ROA 0.35% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 22.6% in tier
- - Stagnation Risk: Bottom 55.9% in tier
- - Member decline: -5.3% YoY
- - Member Growth Rate: Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
29,387
-5.3% YoY-10.0% QoQ
|
-9.2K |
38,575
-4.8% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$597.1M
+5.3% YoY+0.8% QoQ
|
$-24.6M |
$621.7M
+0.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$459.3M
+7.6% YoY+2.2% QoQ
|
+$29.5M |
$429.8M
-1.8% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$530.8M
+6.5% YoY+0.4% QoQ
|
$-7.9M |
$538.7M
+0.6% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
1.0%
+65.9% YoY+1.3% QoQ
|
+0.4% |
0.7%
+42.9% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
3.2%
+11.2% YoY+1.5% QoQ
|
-0.2% |
3.4%
+8.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
70.4%
-10.7% YoY-1.8% QoQ
|
-7.1% |
77.5%
-4.1% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.6%
-31.8% YoY+6.3% QoQ
|
-0.2 |
0.8%
-1.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
86.5%
+1.1% YoY+1.8% QoQ
|
+6.7% |
79.8%
-2.3% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$33,692
+12.9% YoY+12.5% QoQ
|
+$7K |
$26,849
+2.7% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
37.4%
+3.6% YoY+0.9% QoQ
|
+12.9% | 24.4% | 21.2% | 19.8% | Top 10.4% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | Bottom 0.0% 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)