BlastPoint's Credit Union Scorecard

GUARDIAN

Charter #68374 · AL

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

GUARDIAN has 4 strengths but faces 6 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

+ Emerging Performer: Top 19.2% in tier
+ ROA 0.39% above tier average
+ Net Interest Margin 0.60% above tier average
+ Asset Growth Rate: Top 10.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 11.0% in tier
- Indirect Auto Dependency: Bottom 11.6% in tier
- Liquidity Strain: Bottom 30.7% in tier
- Credit Risk Growth: Bottom 41.9% in tier
- Delinquency rate 0.59% above tier average
- Average Member Relationship (AMR): Bottom 8.7% 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 +7.7% year over year ($1.03B in shares and deposits).
Membership: 95,671 members, +2.9% vs a year ago.
Delinquency rate 1.45%.
Return on assets 1.21%.
Efficiency ratio 67.50% vs a 73.02% peer average.
Loan-to-share ratio 93.80% 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	95,671 +2.9% YoY+1.1% QoQ	-1.2K	96,861 -1.9% YoY	28,281 -1.7% YoY	34,678 +6.6% YoY	58%
Assets	$1.3B +12.6% YoY+4.8% QoQ	$-449.8M	$1.7B +0.4% YoY	$459.0M +7.0% YoY	$593.1M +10.2% YoY	28%
Loans	$970.8M +7.3% YoY+3.8% QoQ	$-263.5M	$1.2B +0.7% YoY	$266.3M +5.7% YoY	$418.6M +10.1% YoY	34%
Deposits	$1.0B +7.7% YoY+2.0% QoQ	$-428.4M	$1.5B +0.5% YoY	$400.1M +6.1% YoY	$504.8M +10.3% YoY	24%

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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	1.2% +8.6% YoY+9.7% QoQ	+0.4%	0.8% +27.6% YoY	1.1% +39.6% YoY	1.2% +121.4% YoY	82%
NIM	4.0% -1.8% YoY-0.7% QoQ	+0.6%	3.4% +6.6% YoY	3.7% +1.1% YoY	3.8% +2.3% YoY	Top 12.7% in tier
Efficiency Ratio	67.5% +2.5% YoY-2.2% QoQ	-5.5%	73.0% -2.7% YoY	82.1% +5.7% YoY	83.0% -5.3% YoY	26%
Delinquency Rate	1.4% +31.5% YoY+16.1% QoQ	+0.6	0.9% +7.3% YoY	1.4% -5.8% YoY	1.3% +2.6% YoY	Bottom 13.3% in tier
Loan To Share	93.8% -0.4% YoY+1.8% QoQ	+9.1%	84.7% +0.1% YoY	59.3% -1.7% YoY	66.4% -1.4% YoY	73%
AMR	$20,964 +4.5% YoY+1.8% QoQ	$-9K	$29,575 +1.5% YoY	$17,701 +4.0% YoY	$20,028 -0.9% YoY	Bottom 8.3% in tier
CD Concentration	35.5% -9.5% YoY-1.1% QoQ	+6.4%	29.1%	21.8%	20.0%	77%
Indirect Auto %	29.2% +4.2% YoY+1.8% QoQ	+11.1%	18.1%	5.2%	7.7%	76%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#31 of 82 • Top 19.2% 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: 1.21%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Member Growth (YoY): 2.89%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | Rank improving

Concerns (4)

Credit Quality Pressure

risk

#41 of 215 • Bottom 11.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.35% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Credit Risk Growth

risk

#36 of 170 • Bottom 41.9% in tier

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

Why This Signature

Loan Growth (YoY): 7.31%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.35% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#42 of 193 • Bottom 11.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 12.57%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 29.18%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 2.89%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Liquidity Strain

risk

#103 of 168 • Bottom 30.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.80%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 7.31%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 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 300 peers in tier

Top Strengths (4 metrics)

Asset Growth Rate

growth

Value: 12.57%

Peer Median: 5.21%

#31 of 300 Top 10.0% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.02%

Peer Median: 3.46%

#38 of 300 Top 12.3% in 1B-3B tier

Fee Income Per Member

profitability

Value: $302.97

Peer Median: $204.73

#44 of 300 Top 14.3% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.21%

Peer Median: 0.77%

#55 of 300 Top 18.0% in 1B-3B tier

Top Weaknesses (8 metrics)

275

Average Member Relationship (AMR)

engagement

Value: $20,964

Peer Median: $28,089

#275 of 300 Bottom 8.7% in 1B-3B tier

261

Total Delinquency Rate (60+ days)

risk

Value: 1.45%

Peer Median: 0.70%

#261 of 300 Bottom 13.3% in 1B-3B tier

246

Net Worth Ratio

risk

Value: 9.46%

Peer Median: 10.91%

#246 of 300 Bottom 18.3% in 1B-3B tier

245

Net Charge-Off Rate

risk

Value: 0.93%

Peer Median: 0.52%

#245 of 300 Bottom 18.7% in 1B-3B tier

245

Loan-to-Member Ratio (LMR)

engagement

Value: $10,147

Peer Median: $12,809

#245 of 300 Bottom 18.7% in 1B-3B tier

242

Share Certificate Concentration (%)

balance_sheet

Value: 35.53%

Peer Median: 28.24%

#242 of 300 Bottom 19.7% in 1B-3B tier

233

Indirect Auto Concentration (%)

balance_sheet

Value: 29.18%

Peer Median: 14.26%

#233 of 300 Bottom 22.7% in 1B-3B tier

229

Total Deposits

balance_sheet

Value: $1.03B

Peer Median: $1.30B

#229 of 300 Bottom 24.0% in 1B-3B tier