BlastPoint's Credit Union Scorecard

ALABAMA ONE

Charter #68595 · AL

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

ALABAMA ONE has 4 strengths but faces 5 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

+ Wallet Share Momentum: Top 33.6% in tier
+ Organic Growth Leader: Top 63.8% in tier
+ Organic Growth Engine: Top 74.0% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 11.2% in tier
- ROA 0.31% below tier average
- Efficiency ratio 12.44% above tier (higher cost structure)
- Delinquency rate 0.02% above tier average
- Net Worth Ratio: Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	96,201 +2.6% YoY-0.7% QoQ	-1.2K	97,431 -2.4% YoY	27,849 -7.3% YoY	33,374 +5.7% YoY	58%
Assets	$1.5B +11.1% YoY+1.7% QoQ	$-246.7M	$1.7B +0.9% YoY	$442.6M +8.5% YoY	$561.6M +9.7% YoY	47%
Loans	$1.1B +12.2% YoY+4.1% QoQ	$-175.8M	$1.2B +0.5% YoY	$260.4M +7.2% YoY	$397.0M +8.8% YoY	43%
Deposits	$1.3B +11.8% YoY+1.8% QoQ	$-131.0M	$1.5B +0.9% YoY	$387.0M +6.9% YoY	$477.3M +9.7% YoY	52%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% +17.3% YoY+12.9% QoQ	-0.3%	0.7% +20.9% YoY	0.7% +32.7% YoY	0.7% +15.9% YoY	21%
NIM	2.6% +5.2% YoY+1.6% QoQ	-0.7%	3.3% +9.2% YoY	3.7% +4.6% YoY	3.8% +5.1% YoY	Bottom 12.9% in tier
Efficiency Ratio	86.5% -2.4% YoY-1.2% QoQ	+12.4%	74.1% -9.5% YoY	78.3% -5.6% YoY	79.7% -3.3% YoY	Top 6.3% in tier
Delinquency Rate	0.9% -20.6% YoY+11.0% QoQ	+0.0	0.9% +6.2% YoY	1.7% +25.2% YoY	1.3% -2.1% YoY	64%
Loan To Share	79.7% +0.3% YoY+2.3% QoQ	-5.1%	84.8% -0.8% YoY	60.7% -1.8% YoY	67.4% -1.7% YoY	29%
AMR	$24,812 +9.1% YoY+3.6% QoQ	$-5K	$29,428 +2.4% YoY	$17,441 +4.4% YoY	$19,687 +2.0% YoY	30%
CD Concentration	37.7% +5.2% YoY+0.3% QoQ	+8.6%	29.0%	21.2%	19.8%	83%
Indirect Auto %	0.0%	-18.3%	18.3%	5.2%	7.8%	Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#42 of 123 • Top 33.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.09%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | New qualifier

Organic Growth Leader

growth

#91 of 142 • Top 63.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.64%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Organic Growth Engine

growth

#183 of 247 • Top 74.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.64%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.38%

(Tier: 0.69%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#11 of 90 • Bottom 11.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.49%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.06% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 2.64%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 CUs YoY | Rank improving

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 302 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 302 Top 0.0% in 1B-3B tier

AMR Growth Rate

growth

Value: 9.09%

Peer Median: -

#35 of 302 Top 11.3% in 1B-3B tier

Loan Growth Rate

growth

Value: 12.19%

Peer Median: -

#37 of 302 Top 11.9% in 1B-3B tier

Asset Growth Rate

growth

Value: 11.05%

Peer Median: -

#38 of 302 Top 12.3% in 1B-3B tier

Deposit Growth Rate

growth

Value: 11.80%

Peer Median: -

#38 of 302 Top 12.3% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.23%

Peer Median: -

#54 of 302 Top 17.5% in 1B-3B tier

Top Weaknesses (5 metrics)

284

Efficiency Ratio

profitability

Value: 86.49%

Peer Median: -

#284 of 302 Bottom 6.3% in 1B-3B tier

273

Net Worth Ratio

risk

Value: 8.82%

Peer Median: -

#273 of 302 Bottom 9.9% in 1B-3B tier

263

Net Interest Margin (NIM)

profitability

Value: 2.55%

Peer Median: -

#263 of 302 Bottom 13.2% in 1B-3B tier

259

Share Certificate Concentration (%)

balance_sheet

Value: 37.67%

Peer Median: -

#259 of 302 Bottom 14.6% in 1B-3B tier

239

Return on Assets (ROA)

profitability

Value: 0.38%

Peer Median: -

#239 of 302 Bottom 21.2% in 1B-3B tier