BlastPoint's Credit Union Scorecard
AVADIAN
Charter #68583 · AL
AVADIAN has 4 strengths but faces 8 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
- + Wallet Share Momentum: Top 5.7% in tier
- + ROA 0.26% above tier average
- + Net Interest Margin 0.22% above tier average
- + AMR Growth Rate: Top 2.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 3.6% in tier
- - Credit Quality Pressure: Bottom 28.1% in tier
- - Stagnation Risk: Bottom 36.9% in tier
- - Credit Risk Growth: Bottom 48.5% in tier
- - Indirect Auto Dependency: Bottom 61.0% in tier
- - Efficiency ratio 1.25% above tier (higher cost structure)
- - Member decline: -13.6% YoY
- - Member Growth Rate: Bottom 2.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83,856
-13.6% YoY-3.3% QoQ
|
-13.6K |
97,431
-2.4% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$1.4B
+2.0% YoY+2.3% QoQ
|
$-313.7M |
$1.7B
+0.9% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$1.1B
+4.5% YoY+1.2% QoQ
|
$-94.8M |
$1.2B
+0.5% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$1.3B
+0.4% YoY+2.4% QoQ
|
$-192.3M |
$1.5B
+0.9% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
0.9%
+182.1% YoY+1.5% QoQ
|
+0.3% |
0.7%
+20.9% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
3.5%
+20.3% YoY+0.7% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
75.3%
-12.2% YoY-0.4% QoQ
|
+1.2% |
74.1%
-9.5% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.6%
+84.2% YoY+53.3% QoQ
|
-0.3 |
0.9%
+6.2% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
34% |
| Loan To Share |
89.9%
+4.1% YoY-1.2% QoQ
|
+5.2% |
84.8%
-0.8% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$28,700
+18.4% YoY+5.3% QoQ
|
$-729 |
$29,428
+2.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
37.4%
-5.0% YoY+2.0% QoQ
|
+8.4% | 29.0% | 21.2% | 19.8% | 83% |
| Indirect Auto % |
27.3%
-3.7% YoY+1.0% QoQ
|
+9.0% | 18.3% | 5.2% | 7.8% | 72% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)