BlastPoint's Credit Union Scorecard
AZALEA CITY
Charter #68224 · AL
AZALEA CITY has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.28% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.48% below tier average
- - Member decline: -5.5% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 52 that size in Alabama.
- Shares and deposits +6.3% year over year ($39.8M in shares and deposits).
- Membership: 4,372 members, -5.5% vs a year ago.
- Delinquency rate 1.57%.
- Return on assets 1.02%.
- Efficiency ratio 81.20% vs a 88.77% peer average.
- Loan-to-share ratio 50.65% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,372
-5.5% YoY-0.2% QoQ
|
+1.8K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$47.2M
+6.5% YoY+2.4% QoQ
|
+$16.9M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
75% |
| Loans |
$20.1M
-11.5% YoY-1.5% QoQ
|
+$4.7M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
71% |
| Deposits |
$39.8M
+6.3% YoY+2.5% QoQ
|
+$14.0M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
75% |
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%
+4.2% YoY-2.4% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
61% |
| NIM |
4.2%
-4.0% YoY+0.6% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
64% |
| Efficiency Ratio |
81.2%
+3.8% YoY+0.6% QoQ
|
-7.6% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
51% |
| Delinquency Rate |
1.6%
+81.9% YoY-53.9% QoQ
|
+0.0 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
72% |
| Loan To Share |
50.7%
-16.8% YoY-3.9% QoQ
|
-8.2% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
37% |
| AMR |
$13,704
+5.3% YoY+1.3% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
48% |
| CD Concentration |
29.4%
+5.7% YoY+1.4% QoQ
|
+4.9% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 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)