BlastPoint's Credit Union Scorecard
FIVE STAR
Charter #68302 · AL
FIVE STAR has 5 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does AL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 14.9% in tier
- + Organic Growth Leader: Top 23.0% in tier
- + Emerging Performer: Top 70.4% in tier
- + ROA 0.21% above tier average
- + Fee Income Per Member: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.3% in tier
- - Credit Risk Growth: Bottom 8.1% in tier
- - Delinquency rate 0.68% above tier average
- - Share Certificate Concentration (%): Bottom 3.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
66,407
+2.2% YoY+0.7% QoQ
|
-32.3K |
98,678
-1.9% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
21% |
| Assets |
$1.2B
+3.2% YoY+0.7% QoQ
|
$-494.7M |
$1.7B
+0.5% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
24% |
| Loans |
$793.4M
+3.5% YoY+4.5% QoQ
|
$-439.7M |
$1.2B
+0.5% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
15% |
| Deposits |
$1.1B
+2.2% YoY-0.0% QoQ
|
$-393.0M |
$1.5B
+1.3% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
27% |
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| ROA |
0.9%
+265.7% YoY+10.1% QoQ
|
+0.2% |
0.7%
+13.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
69% |
| NIM |
3.2%
+17.0% YoY+1.6% QoQ
|
-0.1% |
3.3%
+9.3% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
72.8%
-7.9% YoY-1.2% QoQ
|
-1.1% |
74.0%
-10.9% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
40% |
| Delinquency Rate |
1.5%
+117.0% YoY-8.3% QoQ
|
+0.7 |
0.8%
+6.1% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Top 11.2% in tier |
| Loan To Share |
74.8%
+1.3% YoY+4.5% QoQ
|
-10.4% |
85.2%
-0.8% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
21% |
| AMR |
$27,930
+0.5% YoY+1.1% QoQ
|
$-1K |
$29,172
+2.8% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
48.4%
+5.0% YoY+0.9% QoQ
|
+19.4% |
29.0%
+0.7% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
Top 3.7% in tier |
| Indirect Auto % |
0.2%
-60.6% YoY-24.9% QoQ
|
-18.6% |
18.8%
-3.0% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
Bottom 13.7% in tier |
Signature Analysis
Strengths (3)
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.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)