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 26.9% in tier
- + Organic Growth Leader: Top 26.9% in tier
- + Emerging Performer: Top 27.5% in tier
- + ROA 0.27% above tier average
- + Fee Income Per Member: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.55% above tier (higher cost structure)
- - Delinquency rate 0.64% above tier average
- - Share Certificate Concentration (%): Bottom 3.0% in tier
- - Members Per Employee (MPE): Bottom 6.7% in tier
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Alabama.
- Shares and deposits +2.4% year over year ($1.09B in shares and deposits).
- Membership: 68,823 members, +4.4% vs a year ago.
- Delinquency rate 1.50%.
- Return on assets 1.09%.
- Efficiency ratio 73.57% vs a 73.02% peer average.
- Loan-to-share ratio 79.20% vs a 84.71% 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 |
68,823
+4.4% YoY+2.8% QoQ
|
-28.0K |
96,861
-1.9% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
25% |
| Assets |
$1.3B
+3.7% YoY+0.6% QoQ
|
$-463.1M |
$1.7B
+0.4% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
27% |
| Loans |
$860.9M
+13.4% YoY+1.0% QoQ
|
$-373.3M |
$1.2B
+0.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
22% |
| Deposits |
$1.1B
+2.4% YoY+0.1% QoQ
|
$-376.3M |
$1.5B
+0.5% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
28% |
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| ROA |
1.1%
+31.2% YoY+5.9% QoQ
|
+0.3% |
0.8%
+27.6% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
75% |
| NIM |
3.5%
+10.8% YoY+3.7% QoQ
|
+0.0% |
3.4%
+6.6% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
49% |
| Efficiency Ratio |
73.6%
-0.2% YoY-2.2% QoQ
|
+0.5% |
73.0%
-2.7% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
49% |
| Delinquency Rate |
1.5%
-8.5% YoY+11.7% QoQ
|
+0.6 |
0.9%
+7.3% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 11.3% in tier |
| Loan To Share |
79.2%
+10.7% YoY+0.9% QoQ
|
-5.5% |
84.7%
+0.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$28,303
+2.5% YoY-2.2% QoQ
|
$-1K |
$29,575
+1.5% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
49.1%
+2.4% YoY+2.5% QoQ
|
+20.0% | 29.1% | 21.8% | 20.0% | Top 2.7% in tier |
| Indirect Auto % |
0.1%
-68.2% YoY-23.5% QoQ
|
-18.0% | 18.1% | 5.2% | 7.7% | Top 12.3% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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)