BlastPoint's Credit Union Scorecard
MAX
Charter #68575 · AL
MAX has 1 strength 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
- + ROA 0.79% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 46.0% in tier
- - Shrinking Wallet Share: Bottom 81.7% in tier
- - Loan-to-Share Ratio: Bottom 5.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.7% 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 +4.1% year over year ($2.05B in shares and deposits).
- Membership: 132,648 members, +2.8% vs a year ago.
- Delinquency rate 0.68%.
- Return on assets 1.61%.
- Efficiency ratio 61.40% vs a 73.02% peer average.
- Loan-to-share ratio 56.24% 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 |
132,648
+2.8% YoY+0.8% QoQ
|
+35.8K |
96,861
-1.9% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$2.4B
+5.7% YoY+1.3% QoQ
|
+$655.0M |
$1.7B
+0.4% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
81% |
| Loans |
$1.2B
-0.9% YoY-0.0% QoQ
|
$-79.9M |
$1.2B
+0.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$2.1B
+4.1% YoY+1.2% QoQ
|
+$589.0M |
$1.5B
+0.5% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
82% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.6%
+34.6% YoY-7.6% QoQ
|
+0.8% |
0.8%
+27.6% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
Top 6.0% in tier |
| NIM |
3.2%
-1.0% YoY+0.4% QoQ
|
-0.2% |
3.4%
+6.6% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
31% |
| Efficiency Ratio |
61.4%
-7.9% YoY+3.0% QoQ
|
-11.6% |
73.0%
-2.7% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
Top 12.0% in tier |
| Delinquency Rate |
0.7%
-18.9% YoY-3.3% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
48% |
| Loan To Share |
56.2%
-4.8% YoY-1.2% QoQ
|
-28.5% |
84.7%
+0.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 5.3% in tier |
| AMR |
$24,174
-0.5% YoY-0.0% QoQ
|
$-5K |
$29,575
+1.5% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
26% |
| CD Concentration |
20.5%
-1.9% YoY+1.8% QoQ
|
-8.6% | 29.1% | 21.8% | 20.0% | Bottom 14.1% in tier |
| Indirect Auto % |
25.0%
-14.5% YoY-1.2% QoQ
|
+6.9% | 18.1% | 5.2% | 7.7% | 70% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)