BlastPoint's Credit Union Scorecard
MAX
Charter #68575 · AL
MAX has 2 strengths but faces 4 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
- + ROA 1.02% above tier average
- + Efficiency Ratio: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 53.2% in tier
- - Shrinking Wallet Share: Bottom 86.3% in tier
- - Loan-to-Share Ratio: Bottom 6.2% in tier
- - Loan-to-Member Ratio (LMR): 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 |
131,569
+2.6% YoY+0.8% QoQ
|
+35.5K |
96,048
-2.7% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
82% |
| Assets |
$2.3B
+4.6% YoY+1.6% QoQ
|
+$628.2M |
$1.7B
+0.4% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
80% |
| Loans |
$1.2B
-1.3% YoY+0.2% QoQ
|
$-59.2M |
$1.2B
+0.2% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
56% |
| Deposits |
$2.0B
+2.3% YoY+1.4% QoQ
|
+$561.7M |
$1.5B
+0.5% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
81% |
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| ROA |
1.7%
+54.4% YoY+30.2% QoQ
|
+1.0% |
0.7%
+27.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
Top 3.3% in tier |
| NIM |
3.2%
-0.6% YoY-1.7% QoQ
|
-0.2% |
3.4%
+6.2% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
36% |
| Efficiency Ratio |
59.6%
-12.0% YoY-8.5% QoQ
|
-15.0% |
74.6%
-3.0% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
Top 6.2% in tier |
| Delinquency Rate |
0.7%
-12.4% YoY-21.1% QoQ
|
-0.1 |
0.8%
+6.9% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
58% |
| Loan To Share |
57.0%
-3.5% YoY-1.2% QoQ
|
-26.2% |
83.2%
-0.4% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 5.9% in tier |
| AMR |
$24,183
-1.6% YoY+0.2% QoQ
|
$-5K |
$29,652
+2.3% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
20.2%
+0.9% YoY-1.4% QoQ
|
-8.7% | 28.8% | 21.3% | 19.8% | Bottom 14.4% in tier |
| Indirect Auto % |
25.3%
-18.1% YoY-2.3% QoQ
|
+7.3% | 18.1% | 5.1% | 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)