BlastPoint's Credit Union Scorecard
ALABAMA ONE
Charter #68595 · AL
ALABAMA ONE has 4 strengths but faces 3 concerns
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How does AL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 19.7% in tier
- + Organic Growth Leader: Top 41.3% in tier
- + Organic Growth Engine: Top 41.3% in tier
- + Emerging Performer: Top 63.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 19.8% in tier
- - ROA 0.17% below tier average
- - Efficiency ratio 7.40% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
97,352
+2.9% YoY+1.2% QoQ
|
+1.3K |
96,048
-2.7% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$1.5B
+8.3% YoY+2.2% QoQ
|
$-211.0M |
$1.7B
+0.4% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
50% |
| Loans |
$1.1B
+12.2% YoY+1.7% QoQ
|
$-137.1M |
$1.2B
+0.2% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
48% |
| Deposits |
$1.4B
+8.1% YoY+2.0% QoQ
|
$-110.5M |
$1.5B
+0.5% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
54% |
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| ROA |
0.5%
+118.1% YoY+45.0% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
37% |
| NIM |
2.8%
+14.0% YoY+9.0% QoQ
|
-0.6% |
3.4%
+6.2% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 14.4% in tier |
| Efficiency Ratio |
82.0%
-8.8% YoY-5.2% QoQ
|
+7.4% |
74.6%
-3.0% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
0.7%
-0.6% YoY-25.4% QoQ
|
-0.1 |
0.8%
+6.9% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
56% |
| Loan To Share |
79.4%
+3.8% YoY-0.3% QoQ
|
-3.7% |
83.2%
-0.4% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
32% |
| AMR |
$24,978
+6.8% YoY+0.7% QoQ
|
$-5K |
$29,652
+2.3% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
30% |
| CD Concentration |
37.1%
+2.4% YoY-1.5% QoQ
|
+8.3% | 28.8% | 21.3% | 19.8% | 83% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 5.1% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)