BlastPoint's Credit Union Scorecard
ALIVE
Charter #67316 · FL
ALIVE has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Member decline: -2.9% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,605
-2.9% YoY+0.3% QoQ
|
+3.5K |
15,145
-2.5% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$294.2M
+2.3% YoY+3.9% QoQ
|
+$62.5M |
$231.7M
+0.8% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
73% |
| Loans |
$165.0M
+1.1% YoY+1.3% QoQ
|
+$20.9M |
$144.1M
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
67% |
| Deposits |
$261.1M
+1.7% YoY+4.3% QoQ
|
+$59.9M |
$201.1M
+0.4% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
73% |
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| ROA |
0.9%
-19.1% YoY+15.1% QoQ
|
+0.2% |
0.7%
+5.1% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
63% |
| NIM |
3.1%
-3.1% YoY-4.2% QoQ
|
-0.5% |
3.6%
+4.6% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
20% |
| Efficiency Ratio |
74.3%
+13.8% YoY+1.2% QoQ
|
-3.8% |
78.0%
-1.7% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
35% |
| Delinquency Rate |
0.4%
-44.4% YoY-24.7% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
32% |
| Loan To Share |
63.2%
-0.6% YoY-2.9% QoQ
|
-7.2% |
70.4%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
32% |
| AMR |
$22,901
+4.5% YoY+2.8% QoQ
|
$-2K |
$24,918
+2.7% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
49% |
| CD Concentration |
20.3%
+20.5% YoY+2.2% QoQ
|
-3.9% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % |
29.2%
+1.5% YoY+3.7% QoQ
|
+15.4% | 13.8% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)