BlastPoint's Credit Union Scorecard
GUARDIAN
Charter #68374 · AL
GUARDIAN has 5 strengths but faces 7 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 47.4% in tier
- + Organic Growth Engine: Top 49.2% in tier
- + ROA 0.63% above tier average
- + Net Interest Margin 0.76% above tier average
- + Asset Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 19.5% in tier
- - Liquidity Strain: Bottom 63.6% in tier
- - Credit Risk Growth: Bottom 64.4% in tier
- - Credit Quality Pressure: Bottom 74.8% in tier
- - Delinquency rate 0.87% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.6% in tier
- - Average Member Relationship (AMR): Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
93,398
+2.0% YoY-0.0% QoQ
|
-4.0K |
97,431
-2.4% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
55% |
| Assets |
$1.2B
+12.3% YoY+1.8% QoQ
|
$-541.5M |
$1.7B
+0.9% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$927.7M
+8.1% YoY+0.9% QoQ
|
$-306.7M |
$1.2B
+0.5% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$992.5M
+6.1% YoY+2.2% QoQ
|
$-466.9M |
$1.5B
+0.9% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
1.3%
+90.4% YoY+5.1% QoQ
|
+0.6% |
0.7%
+20.9% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Top 8.6% in tier |
| NIM |
4.0%
+4.2% YoY-0.8% QoQ
|
+0.8% |
3.3%
+9.2% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Top 9.9% in tier |
| Efficiency Ratio |
65.4%
-9.0% YoY-0.6% QoQ
|
-8.7% |
74.1%
-9.5% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
1.8%
+3.8% YoY+31.0% QoQ
|
+0.9 |
0.9%
+6.2% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
Top 6.6% in tier |
| Loan To Share |
93.5%
+1.9% YoY-1.3% QoQ
|
+8.7% |
84.8%
-0.8% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$20,559
+4.9% YoY+1.6% QoQ
|
$-9K |
$29,428
+2.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.9% in tier |
| CD Concentration |
37.4%
-12.5% YoY-3.6% QoQ
|
+8.3% | 29.0% | 21.2% | 19.8% | 82% |
| Indirect Auto % |
28.2%
+10.0% YoY-0.9% QoQ
|
+9.9% | 18.3% | 5.2% | 7.8% | 73% |
Signature Analysis
Strengths (2)
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 Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)