BlastPoint's Credit Union Scorecard

FIVE STAR

Charter #68302 · AL

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 10 in AL

View Mid-Market leaderboard →

FIVE STAR has 5 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 43.1% in tier
+ Organic Growth Leader: Top 72.3% in tier
+ Emerging Performer: Top 72.4% in tier
+ ROA 0.24% above tier average
+ Fee Income Per Member: Top 6.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 8.0% in tier
- Credit Quality Pressure: Bottom 14.3% in tier
- Delinquency rate 0.33% above tier average
- Share Certificate Concentration (%): Bottom 3.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	66,451 +2.1% YoY+0.1% QoQ	-31.0K	97,431 -2.4% YoY	27,849 -7.3% YoY	33,374 +5.7% YoY	21%
Assets	$1.2B +3.9% YoY+1.0% QoQ	$-486.0M	$1.7B +0.9% YoY	$442.6M +8.5% YoY	$561.6M +9.7% YoY	24%
Loans	$839.5M +9.2% YoY+5.8% QoQ	$-394.9M	$1.2B +0.5% YoY	$260.4M +7.2% YoY	$397.0M +8.8% YoY	18%
Deposits	$1.1B +2.4% YoY+0.8% QoQ	$-389.2M	$1.5B +0.9% YoY	$387.0M +6.9% YoY	$477.3M +9.7% YoY	26%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% +98.3% YoY+1.4% QoQ	+0.2%	0.7% +20.9% YoY	0.7% +32.7% YoY	0.7% +15.9% YoY	72%
NIM	3.2% +12.9% YoY+1.3% QoQ	-0.1%	3.3% +9.2% YoY	3.7% +4.6% YoY	3.8% +5.1% YoY	42%
Efficiency Ratio	72.4% -6.3% YoY-0.6% QoQ	-1.6%	74.1% -9.5% YoY	78.3% -5.6% YoY	79.7% -3.3% YoY	40%
Delinquency Rate	1.2% +48.0% YoY-18.7% QoQ	+0.3	0.9% +6.2% YoY	1.7% +25.2% YoY	1.3% -2.1% YoY	80%
Loan To Share	78.5% +6.7% YoY+4.9% QoQ	-6.3%	84.8% -0.8% YoY	60.7% -1.8% YoY	67.4% -1.7% YoY	28%
AMR	$28,738 +3.1% YoY+2.9% QoQ	$-691	$29,428 +2.4% YoY	$17,441 +4.4% YoY	$19,687 +2.0% YoY	56%
CD Concentration	48.0% +2.8% YoY-0.8% QoQ	+19.0%	29.0%	21.2%	19.8%	Top 4.0% in tier
Indirect Auto %	0.1% -64.9% YoY-28.3% QoQ	-18.2%	18.3%	5.2%	7.8%	Bottom 13.6% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#107 of 247 • Top 43.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.08%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.93%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.14%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Organic Growth Leader

growth

#103 of 142 • Top 72.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.08%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 0.14%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Emerging Performer

growth

#56 of 77 • Top 72.4% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.93%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Member Growth (YoY): 2.08%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

77 of 378 Mid-Market CUs have this signature | 282 nationally

→ No prior data (77 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk

#14 of 164 • Bottom 8.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.22%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.40% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Credit Quality Pressure

risk

#31 of 211 • Bottom 14.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.40% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank improving

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)

Compare against:

Comparing against 302 peers in tier

Top Strengths (4 metrics)

Fee Income Per Member

profitability

Value: $344.63

Peer Median: -

#19 of 302 Top 6.0% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.52%

Peer Median: -

#39 of 302 Top 12.6% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.14%

Peer Median: -

#48 of 302 Top 15.6% in 1B-3B tier

Loan Growth Rate

growth

Value: 9.22%

Peer Median: -

#75 of 302 Top 24.5% in 1B-3B tier

Top Weaknesses (6 metrics)

292

Share Certificate Concentration (%)

balance_sheet

Value: 48.04%

Peer Median: -

#292 of 302 Bottom 3.6% in 1B-3B tier

254

Members Per Employee (MPE)

engagement

Value: 283.979

Peer Median: -

#254 of 302 Bottom 16.2% in 1B-3B tier

248

Total Loans

balance_sheet

Value: $839.53M

Peer Median: -

#248 of 302 Bottom 18.2% in 1B-3B tier

244

Total Delinquency Rate (60+ days)

risk

Value: 1.22%

Peer Median: -

#244 of 302 Bottom 19.5% in 1B-3B tier

238

Total Members

engagement

Value: 66,451

Peer Median: -

#238 of 302 Bottom 21.5% in 1B-3B tier

230

Total Assets

balance_sheet

Value: $1.24B

Peer Median: -

#230 of 302 Bottom 24.2% in 1B-3B tier