BlastPoint's Credit Union Scorecard

COOSA PINES

Charter #6774 · AL

100M-500M
1070 CUs in 100M-500M nationally 21 in AL

COOSA PINES demonstrates 7 strengths

National Analysis

How does the industry compare?
AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 50.0% in tier
  • + Organic Growth Engine: Top 50.0% in tier
  • + Organic Growth Leader: Top 50.0% in tier
  • + ROA 0.90% above tier average
  • + Net Interest Margin 0.29% above tier average
  • + Efficiency Ratio: Top 7.6% in tier
  • + Total Assets: Top 9.1% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 25,798
+0.7% YoY-0.8% QoQ
 +10.7K 15,145
-2.5% YoY
 28,055
-6.4% YoY
 33,913
+5.7% YoY
 Top 10.7% in tier
Assets $413.6M
+9.0% YoY+3.4% QoQ
 +$181.9M $231.7M
+0.8% YoY
 $451.2M
+7.2% YoY
 $578.3M
+9.0% YoY
 Top 9.2% in tier
Loans $250.2M
+6.7% YoY+0.6% QoQ
 +$106.0M $144.1M
+0.2% YoY
 $260.3M
+6.6% YoY
 $402.4M
+8.7% YoY
 Top 12.7% in tier
Deposits $350.8M
+7.8% YoY+3.6% QoQ
 +$149.7M $201.1M
+0.4% YoY
 $395.2M
+6.0% YoY
 $494.3M
+9.1% YoY
 Top 10.5% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.6%
-3.0% YoY-7.4% QoQ
 +0.9% 0.7%
+5.1% YoY
 0.6%
-14.6% YoY
 0.4%
-39.2% YoY
 Top 8.4% in tier
NIM 3.9%
-0.3% YoY+5.0% QoQ
 +0.3% 3.6%
+4.6% YoY
 3.7%
+0.6% YoY
 3.8%
+4.1% YoY
 70%
Efficiency Ratio 59.1%
+3.2% YoY+2.0% QoQ
 -18.9% 78.0%
-1.7% YoY
 80.4%
-0.1% YoY
 84.6%
+2.8% YoY
 Top 7.6% in tier
Delinquency Rate 0.8%
-8.5% YoY-10.0% QoQ
 +0.0 0.8%
+7.1% YoY
 1.6%
+17.5% YoY
 1.2%
+3.4% YoY
 64%
Loan To Share 71.3%
-1.0% YoY-2.8% QoQ
 +0.9% 70.4%
-0.4% YoY
 59.2%
-1.1% YoY
 65.6%
-1.4% YoY
 49%
AMR $23,296
+6.6% YoY+3.2% QoQ
 $-2K $24,918
+2.7% YoY
 $17,504
+3.5% YoY
 $19,920
+1.6% YoY
 52%
CD Concentration 29.2%
+15.5% YoY+0.1% QoQ
 +4.9% 24.3% 21.3% 19.8% 50%
Indirect Auto % 10.1%
-4.5% YoY-2.8% QoQ
 -3.7% 13.8% 5.1% 7.7% 50%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#323 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.56%
(Tier: 3.74%, National: 6.36%)
better than tier avg
491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally
↑ Growing +107 CUs YoY | New qualifier

Organic Growth Engine

growth
#245 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.75%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 1.63%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 10.13%
(Tier: 13.80%, National: 7.73%)
better than tier avg
352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally
→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth
#341 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.75%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 10.13%
(Tier: 13.80%, National: 7.73%)
better than tier avg
371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally
→ No prior data (371 CUs now) | New qualifier

Concerns (0)

No concerns identified

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)

Comparing against 1070 peers in tier

Top Strengths (11 metrics)

82
Efficiency Ratio
profitability
Value: 59.13%
Peer Median: 78.68%
#82 of 1070 Top 7.6% in 100M-500M tier
90
Return on Assets (ROA)
profitability
Value: 1.63%
Peer Median: 0.69%
#90 of 1070 Top 8.3% in 100M-500M tier
98
Total Assets
balance_sheet
Value: $413.57M
Peer Median: $196.57M
#98 of 1070 Top 9.1% in 100M-500M tier
112
Total Deposits
balance_sheet
Value: $350.81M
Peer Median: $171.29M
#112 of 1070 Top 10.4% in 100M-500M tier
115
Total Members
engagement
Value: 25,798
Peer Median: 13,200
#115 of 1070 Top 10.7% in 100M-500M tier
123
Net Worth Ratio
risk
Value: 15.98%
Peer Median: 11.45%
#123 of 1070 Top 11.4% in 100M-500M tier
136
Total Loans
balance_sheet
Value: $250.16M
Peer Median: $121.41M
#136 of 1070 Top 12.6% in 100M-500M tier
138
Members Per Employee (MPE)
engagement
Value: 437.254
Peer Median: 309.176
#138 of 1070 Top 12.8% in 100M-500M tier
141
Asset Growth Rate
growth
Value: 9.00%
Peer Median: 3.91%
#141 of 1070 Top 13.1% in 100M-500M tier
192
Deposit Growth Rate
growth
Value: 7.80%
Peer Median: 3.30%
#192 of 1070 Top 17.9% in 100M-500M tier

Top Weaknesses (1 metrics)

845
Net Charge-Off Rate
risk
Value: 0.72%
Peer Median: 0.35%
#845 of 1070 Bottom 21.1% in 100M-500M tier
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