BlastPoint's Credit Union Scorecard
GUARDIAN
Charter #68374 · AL
GUARDIAN has 3 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 19.6% in tier
- + ROA 0.39% above tier average
- + Net Interest Margin 0.70% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 13.2% in tier
- - Credit Quality Pressure: Bottom 23.2% in tier
- - Liquidity Strain: Bottom 30.8% in tier
- - Credit Risk Growth: Bottom 47.9% in tier
- - Delinquency rate 0.49% above tier average
- - Average Member Relationship (AMR): Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
94,635
+2.4% YoY+1.3% QoQ
|
-1.4K |
96,048
-2.7% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
58% |
| Assets |
$1.2B
+11.2% YoY+2.9% QoQ
|
$-504.0M |
$1.7B
+0.4% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
23% |
| Loans |
$934.9M
+6.2% YoY+0.8% QoQ
|
$-278.8M |
$1.2B
+0.2% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
31% |
| Deposits |
$1.0B
+6.7% YoY+2.2% QoQ
|
$-450.8M |
$1.5B
+0.5% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
20% |
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| ROA |
1.1%
+21.7% YoY-16.2% QoQ
|
+0.4% |
0.7%
+27.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
81% |
| NIM |
4.1%
-0.6% YoY+0.6% QoQ
|
+0.7% |
3.4%
+6.2% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Top 8.8% in tier |
| Efficiency Ratio |
69.0%
+2.1% YoY+5.6% QoQ
|
-5.6% |
74.6%
-3.0% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
27% |
| Delinquency Rate |
1.2%
+14.3% YoY-29.5% QoQ
|
+0.5 |
0.8%
+6.9% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.4% in tier |
| Loan To Share |
92.1%
-0.4% YoY-1.4% QoQ
|
+9.0% |
83.2%
-0.4% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$20,602
+4.0% YoY+0.2% QoQ
|
$-9K |
$29,652
+2.3% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.5% in tier |
| CD Concentration |
35.9%
-9.4% YoY-3.9% QoQ
|
+7.1% | 28.8% | 21.3% | 19.8% | 80% |
| Indirect Auto % |
28.7%
+5.5% YoY+1.8% QoQ
|
+10.6% | 18.1% | 5.1% | 7.7% | 76% |
Signature Analysis
Strengths (1)
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 (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)