BlastPoint's Credit Union Scorecard

AVADIAN

Charter #68583 · AL

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 10 in AL

View Mid-Market leaderboard →

AVADIAN has 2 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.33% above tier average
+ Net Interest Margin 0.14% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 33.7% in tier
- Credit Risk Growth: Bottom 64.5% in tier
- Indirect Auto Dependency: Bottom 79.2% in tier
- Membership Headwinds: Bottom 88.9% in tier
- Stagnation Risk: Bottom 88.9% in tier
- Member decline: -3.1% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	83,228 -3.1% YoY-0.7% QoQ	-12.8K	96,048 -2.7% YoY	28,055 -6.4% YoY	33,913 +5.7% YoY	45%
Assets	$1.4B +1.9% YoY+1.5% QoQ	$-289.7M	$1.7B +0.4% YoY	$451.2M +7.2% YoY	$578.3M +9.0% YoY	39%
Loans	$1.1B +3.1% YoY-0.4% QoQ	$-78.3M	$1.2B +0.2% YoY	$260.3M +6.6% YoY	$402.4M +8.7% YoY	54%
Deposits	$1.3B +0.1% YoY+1.5% QoQ	$-179.0M	$1.5B +0.5% YoY	$395.2M +6.0% YoY	$494.3M +9.1% YoY	48%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +48.2% YoY+11.0% QoQ	+0.3%	0.7% +27.6% YoY	0.6% -14.6% YoY	0.4% -39.2% YoY	80%
NIM	3.5% +8.6% YoY+0.1% QoQ	+0.1%	3.4% +6.2% YoY	3.7% +0.6% YoY	3.8% +4.1% YoY	58%
Efficiency Ratio	72.2% -7.6% YoY-4.1% QoQ	-2.4%	74.6% -3.0% YoY	80.4% -0.1% YoY	84.6% +2.8% YoY	38%
Delinquency Rate	0.4% +34.0% YoY-31.9% QoQ	-0.4	0.8% +6.9% YoY	1.6% +17.5% YoY	1.2% +3.4% YoY	25%
Loan To Share	88.3% +3.0% YoY-1.9% QoQ	+5.1%	83.2% -0.4% YoY	59.2% -1.1% YoY	65.6% -1.4% YoY	59%
AMR	$29,100 +4.7% YoY+1.4% QoQ	$-552	$29,652 +2.3% YoY	$17,504 +3.5% YoY	$19,920 +1.6% YoY	55%
CD Concentration	36.1% -4.2% YoY-3.4% QoQ	+7.3%	28.8%	21.3%	19.8%	80%
Indirect Auto %	27.9% -0.4% YoY+2.5% QoQ	+9.9%	18.1%	5.1%	7.7%	74%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Membership Headwinds

decline

#43 of 91 • Bottom 88.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.07%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Credit Quality Pressure

risk

#128 of 225 • Bottom 33.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Stagnation Risk

risk

#54 of 91 • Bottom 88.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.07%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.13%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.39%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Indirect Auto Dependency

risk

#124 of 198 • Bottom 79.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.88%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 27.94%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -3.07%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Credit Risk Growth

risk

#149 of 183 • Bottom 64.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.13%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (3 metrics)

Fee Income Per Member

profitability

Value: $270.66

Peer Median: $191.54

#49 of 306 Top 15.7% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.04%

Peer Median: 0.66%

#60 of 306 Top 19.3% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.39%

Peer Median: 0.63%

#77 of 306 Top 24.8% in 1B-3B tier

Top Weaknesses (4 metrics)

271

Member Growth Rate

growth

Value: -3.07%

Peer Median: 2.03%

#271 of 306 Bottom 11.8% in 1B-3B tier

262

Deposit Growth Rate

growth

Value: 0.14%

Peer Median: 4.44%

#262 of 306 Bottom 14.7% in 1B-3B tier

257

Share Certificate Concentration (%)

balance_sheet

Value: 36.14%

Peer Median: 27.93%

#257 of 306 Bottom 16.3% in 1B-3B tier

242

Asset Growth Rate

growth

Value: 1.88%

Peer Median: 4.82%

#242 of 306 Bottom 21.2% in 1B-3B tier