BlastPoint's Credit Union Scorecard
MAX
Charter #68575 · AL
MAX has 2 strengths but faces 5 concerns
How does the industry compare?
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How does AL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 37.0% in tier
- + ROA 0.65% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 41.0% in tier
- - Shrinking Wallet Share: Bottom 100.0% in tier
- - Loan-to-Share Ratio: Bottom 5.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.3% in tier
- - Loan Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
130,525
+2.4% YoY+0.5% QoQ
|
+33.1K |
97,431
-2.4% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$2.3B
+7.5% YoY+2.0% QoQ
|
+$587.4M |
$1.7B
+0.9% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$1.2B
-3.1% YoY+0.5% QoQ
|
$-82.5M |
$1.2B
+0.5% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
55% |
| Deposits |
$2.0B
+5.0% YoY+1.5% QoQ
|
+$539.6M |
$1.5B
+0.9% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
1.3%
+23.8% YoY+1.3% QoQ
|
+0.7% |
0.7%
+20.9% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Top 8.3% in tier |
| NIM |
3.2%
+3.3% YoY-0.4% QoQ
|
-0.1% |
3.3%
+9.2% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
65.2%
-5.3% YoY-0.4% QoQ
|
-8.9% |
74.1%
-9.5% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.9%
-2.8% YoY-1.4% QoQ
|
-0.0 |
0.9%
+6.2% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
57.6%
-7.8% YoY-1.0% QoQ
|
-27.2% |
84.8%
-0.8% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.3% in tier |
| AMR |
$24,140
-0.5% YoY+0.6% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration |
20.5%
+0.4% YoY-2.3% QoQ
|
-8.6% | 29.0% | 21.2% | 19.8% | Bottom 14.4% in tier |
| Indirect Auto % |
25.9%
-19.7% YoY-6.3% QoQ
|
+7.6% | 18.3% | 5.2% | 7.8% | 70% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)