BlastPoint's Credit Union Scorecard
FIVE STAR
Charter #68302 · AL
FIVE STAR has 5 strengths but faces 6 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
- + Emerging Performer: Top 21.9% in tier
- + Organic Growth Engine: Top 48.4% in tier
- + Organic Growth Leader: Top 48.4% in tier
- + ROA 0.31% above tier average
- + Fee Income Per Member: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8.2% in tier
- - Credit Risk Growth: Bottom 10.5% in tier
- - Efficiency ratio 0.58% above tier (higher cost structure)
- - Delinquency rate 0.59% above tier average
- - Share Certificate Concentration (%): Bottom 2.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
66,938
+2.3% YoY+0.7% QoQ
|
-29.1K |
96,048
-2.7% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$1.3B
+2.4% YoY+1.3% QoQ
|
$-465.9M |
$1.7B
+0.4% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
26% |
| Loans |
$852.2M
+13.9% YoY+1.5% QoQ
|
$-361.5M |
$1.2B
+0.2% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$1.1B
+1.4% YoY+1.5% QoQ
|
$-379.6M |
$1.5B
+0.5% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
28% |
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| ROA |
1.0%
+15.6% YoY+11.0% QoQ
|
+0.3% |
0.7%
+27.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
80% |
| NIM |
3.3%
+6.3% YoY+3.8% QoQ
|
+0.0% |
3.4%
+6.2% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
46% |
| Efficiency Ratio |
75.2%
+2.6% YoY+3.9% QoQ
|
+0.6% |
74.6%
-3.0% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
51% |
| Delinquency Rate |
1.3%
+44.6% YoY+9.8% QoQ
|
+0.6 |
0.8%
+6.9% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.8% in tier |
| Loan To Share |
78.5%
+12.4% YoY+0.0% QoQ
|
-4.7% |
83.2%
-0.4% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
31% |
| AMR |
$28,955
+4.1% YoY+0.8% QoQ
|
$-697 |
$29,652
+2.3% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
54% |
| CD Concentration |
47.9%
+3.7% YoY-0.2% QoQ
|
+19.1% | 28.8% | 21.3% | 19.8% | Top 3.1% in tier |
| Indirect Auto % |
0.1%
-66.7% YoY-22.7% QoQ
|
-18.0% | 18.1% | 5.1% | 7.7% | Top 13.6% 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 (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)