BlastPoint's Credit Union Scorecard
ALIVE
Charter #67316 · FL
ALIVE faces 11 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 5.6% in tier
- - Membership Headwinds: Bottom 6.9% in tier
- - Institutional Decline: Bottom 14.9% in tier
- - Credit Quality Pressure: Bottom 16.3% in tier
- - Indirect Auto Dependency: Bottom 21.8% in tier
- - Flatlined Growth: Bottom 50.5% in tier
- - ROA 0.00% below tier average
- - Delinquency rate 0.01% above tier average
- - Member decline: -5.1% YoY
- - Deposit Growth Rate: Bottom 8.4% in tier
- - Member Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,665
-5.1% YoY-1.0% QoQ
|
+3.0K |
15,628
-3.4% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$279.8M
-1.7% YoY-0.2% QoQ
|
+$48.5M |
$231.3M
-0.0% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
70% |
| Loans |
$161.4M
-1.1% YoY-2.6% QoQ
|
+$13.6M |
$147.8M
-1.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
64% |
| Deposits |
$246.8M
-2.3% YoY-0.9% QoQ
|
+$46.5M |
$200.3M
-0.0% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
70% |
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| ROA |
0.8%
+48.5% YoY-2.3% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
3.3%
+22.7% YoY+2.3% QoQ
|
-0.3% |
3.6%
+6.9% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
30% |
| Efficiency Ratio |
74.0%
-7.7% YoY+1.9% QoQ
|
-3.2% |
77.3%
-3.0% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.9%
+23.1% YoY+21.3% QoQ
|
+0.0 |
0.9%
+7.6% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
64% |
| Loan To Share |
65.4%
+1.2% YoY-1.7% QoQ
|
-7.3% |
72.7%
-1.5% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
32% |
| AMR |
$21,870
+3.4% YoY-0.6% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
46% |
| CD Concentration |
19.4%
+14.3% YoY+8.0% QoQ
|
-5.0% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
28.3%
-4.0% YoY-0.1% QoQ
|
+14.3% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (6)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)