BlastPoint's Credit Union Scorecard
EMBLEM
Charter #67252 · AL
EMBLEM has 4 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 3.2% in tier
- + Wallet Share Momentum: Top 3.2% in tier
- + ROA 0.34% above tier average
- + AMR Growth Rate: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 94.8% in tier
- - Stagnation Risk: Bottom 94.8% in tier
- - Member decline: -7.4% YoY
- - Member Growth Rate: Bottom 4.8% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in Alabama.
- Shares and deposits +8.3% year over year ($558M in shares and deposits).
- Membership: 29,813 members, -7.4% vs a year ago.
- Delinquency rate 0.63%.
- Return on assets 1.16%.
- Efficiency ratio 72.91% vs a 76.56% peer average.
- Loan-to-share ratio 85.98% vs a 79.33% 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 |
29,813
-7.4% YoY+0.8% QoQ
|
-8.1K |
37,897
-5.0% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
19% |
| Assets |
$627.6M
+8.9% YoY+1.4% QoQ
|
+$5.2M |
$622.4M
+0.6% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
53% |
| Loans |
$480.0M
+6.8% YoY+2.5% QoQ
|
+$51.5M |
$428.5M
-0.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$558.3M
+8.3% YoY+1.5% QoQ
|
+$18.5M |
$539.8M
+0.9% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
62% |
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| ROA |
1.2%
+49.8% YoY+2.8% QoQ
|
+0.3% |
0.8%
+39.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
81% |
| NIM |
3.4%
+10.4% YoY+3.6% QoQ
|
-0.1% |
3.5%
+5.0% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
43% |
| Efficiency Ratio |
72.9%
-2.9% YoY-0.2% QoQ
|
-3.6% |
76.6%
-3.6% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
30% |
| Delinquency Rate |
0.6%
-22.5% YoY+51.7% QoQ
|
-0.2 |
0.8%
+3.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
45% |
| Loan To Share |
86.0%
-1.4% YoY+1.0% QoQ
|
+6.7% |
79.3%
-1.4% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
61% |
| AMR |
$34,827
+16.2% YoY+1.2% QoQ
|
+$8K |
$27,294
+4.1% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
Top 14.5% in tier |
| CD Concentration |
36.0%
-1.0% YoY-3.3% QoQ
|
+11.4% | 24.6% | 21.8% | 20.0% | Top 13.5% in tier |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 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)