BlastPoint's Credit Union Scorecard
GUARDIAN
Charter #68374 · AL
GUARDIAN has 5 strengths but faces 4 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
- + Organic Growth Engine: Top 18.5% in tier
- + Profitability Leader: Top 48.9% in tier
- + Emerging Performer: Top 57.8% in tier
- + ROA 0.55% above tier average
- + Net Interest Margin 0.80% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 7.1% in tier
- - Liquidity Strain: Bottom 18.9% in tier
- - Delinquency rate 0.52% above tier average
- - Average Member Relationship (AMR): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
93,421
+1.7% YoY+0.5% QoQ
|
-5.3K |
98,678
-1.9% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
54% |
| Assets |
$1.2B
+8.6% YoY+2.6% QoQ
|
$-558.4M |
$1.7B
+0.5% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
19% |
| Loans |
$919.3M
+7.2% YoY+1.6% QoQ
|
$-313.7M |
$1.2B
+0.5% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
29% |
| Deposits |
$971.1M
+4.1% YoY+1.1% QoQ
|
$-483.2M |
$1.5B
+1.3% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
16% |
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| ROA |
1.3%
+90.4% YoY+12.3% QoQ
|
+0.5% |
0.7%
+13.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Top 10.9% in tier |
| NIM |
4.1%
+6.9% YoY-0.8% QoQ
|
+0.8% |
3.3%
+9.3% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
Top 9.2% in tier |
| Efficiency Ratio |
65.8%
-10.2% YoY-0.1% QoQ
|
-8.2% |
74.0%
-10.9% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
19% |
| Delinquency Rate |
1.4%
-26.5% YoY+22.7% QoQ
|
+0.5 |
0.8%
+6.1% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Top 13.5% in tier |
| Loan To Share |
94.7%
+3.0% YoY+0.5% QoQ
|
+9.5% |
85.2%
-0.8% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
73% |
| AMR |
$20,236
+3.8% YoY+0.9% QoQ
|
$-9K |
$29,172
+2.8% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.6% in tier |
| CD Concentration |
38.8%
-10.9% YoY-1.3% QoQ
|
+9.8% |
29.0%
+0.7% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
Top 14.5% in tier |
| Indirect Auto % |
28.4%
+12.2% YoY+1.5% QoQ
|
+9.7% |
18.8%
-3.0% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
73% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
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 (2)
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.
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)