BlastPoint's Credit Union Scorecard
COOSA PINES
Charter #6774 · AL
COOSA PINES has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 6.8% in tier
- + Organic Growth Engine: Top 9.6% in tier
- + Organic Growth Leader: Top 21.4% in tier
- + ROA 1.40% above tier average
- + Net Interest Margin 0.45% above tier average
- + Efficiency Ratio: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 85.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,811
+1.8% YoY+0.3% QoQ
|
+10.2K |
15,628
-3.4% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
Top 11.8% in tier |
| Assets |
$393.1M
+5.9% YoY+3.8% QoQ
|
+$161.8M |
$231.3M
-0.0% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Top 11.7% in tier |
| Loans |
$243.2M
+6.9% YoY+3.1% QoQ
|
+$95.4M |
$147.8M
-1.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
85% |
| Deposits |
$332.4M
+4.2% YoY+3.1% QoQ
|
+$132.1M |
$200.3M
-0.0% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Top 12.4% in tier |
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| ROA |
2.2%
+79.9% YoY+20.4% QoQ
|
+1.4% |
0.8%
+15.5% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Top 1.9% in tier |
| NIM |
4.0%
+13.4% YoY+0.2% QoQ
|
+0.5% |
3.6%
+6.9% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
53.8%
-13.7% YoY-6.4% QoQ
|
-23.5% |
77.3%
-3.0% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.5% in tier |
| Delinquency Rate |
0.7%
-52.1% YoY-20.1% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
49% |
| Loan To Share |
73.2%
+2.6% YoY+0.1% QoQ
|
+0.5% |
72.7%
-1.5% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$22,303
+3.4% YoY+2.8% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
49% |
| CD Concentration |
28.1%
+11.8% YoY+6.5% QoQ
|
+3.6% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
10.5%
-5.2% YoY-0.7% QoQ
|
-3.4% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (1)
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)