BlastPoint's Credit Union Scorecard
COOSA PINES
Charter #6774 · AL
COOSA PINES has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 24.9% in tier
- + Organic Growth Leader: Top 60.7% in tier
- + ROA 1.00% above tier average
- + Net Interest Margin 0.13% above tier average
- + Efficiency Ratio: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 87.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
26,013
+2.0% YoY+0.8% QoQ
|
+10.6K |
15,437
-2.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
Top 10.8% in tier |
| Assets |
$399.9M
+7.7% YoY+1.7% QoQ
|
+$168.1M |
$231.9M
+1.3% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
Top 11.1% in tier |
| Loans |
$248.6M
+7.2% YoY+2.2% QoQ
|
+$101.3M |
$147.3M
-0.1% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Top 14.2% in tier |
| Deposits |
$338.7M
+5.7% YoY+1.9% QoQ
|
+$137.9M |
$200.8M
+0.8% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Top 12.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.8%
+56.5% YoY-19.6% QoQ
|
+1.0% |
0.8%
+18.2% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Top 4.9% in tier |
| NIM |
3.7%
+6.5% YoY-7.5% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
58.0%
-8.9% YoY+7.8% QoQ
|
-19.1% |
77.0%
-3.1% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.2% in tier |
| Delinquency Rate |
0.9%
-6.7% YoY+31.4% QoQ
|
-0.0 |
0.9%
+4.2% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
73.4%
+1.5% YoY+0.3% QoQ
|
+1.2% |
72.2%
-1.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$22,577
+4.3% YoY+1.2% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
29.2%
+13.5% YoY+4.0% QoQ
|
+4.7% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
10.4%
-4.3% YoY-1.1% QoQ
|
-3.4% | 13.8% | 5.2% | 7.8% | 50% |
Signature Analysis
Strengths (2)
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
riskExceptional capital position (>16%, top quartile). Strong fundamentals—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)