BlastPoint's Credit Union Scorecard
AZALEA CITY
Charter #68224 · AL
AZALEA CITY has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.90% above tier average
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 1.90% above tier average
- - Member decline: -6.0% YoY
- - Total Delinquency Rate (60+ days): Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,379
-6.0% YoY-1.4% QoQ
|
+1.7K |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
82% |
| Assets |
$46.1M
+2.4% YoY+2.1% QoQ
|
+$15.9M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
74% |
| Loans |
$20.5M
-13.5% YoY-2.4% QoQ
|
+$5.2M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
72% |
| Deposits |
$38.8M
+1.9% YoY+2.2% QoQ
|
+$13.0M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
74% |
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 |
1.0%
+22.1% YoY+7.3% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
70% |
| NIM |
4.2%
-4.2% YoY-5.2% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
65% |
| Efficiency Ratio |
80.7%
+4.0% YoY-0.2% QoQ
|
-9.9% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
3.4%
+232.6% YoY+183.8% QoQ
|
+1.9 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.6% in tier |
| Loan To Share |
52.7%
-15.1% YoY-4.5% QoQ
|
-5.8% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
41% |
| AMR |
$13,529
+2.1% YoY+2.0% QoQ
|
$-1K |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
48% |
| CD Concentration |
29.0%
+10.2% YoY+2.1% QoQ
|
+4.7% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)