BlastPoint's Credit Union Scorecard

ALBRIGHT

Charter #68620 · CT

<100M
2508 CUs in <100M nationally 43 in CT

ALBRIGHT has 4 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.92% above tier average
  • + Total Deposits: Top 8.7% in tier
  • + Total Loans: Top 9.3% in tier
  • + Total Assets: Top 9.7% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 0.44% above tier average
  • - Member decline: -4.1% YoY

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Members 5,590
-4.1% YoY-0.7% QoQ
+2.9K 2,676
+1.6% YoY
14,157
+8.2% YoY
33,913
+5.7% YoY
Top 10.5% in tier
Assets $75.2M
+2.6% YoY+3.4% QoQ
+$45.0M $30.2M
+1.3% YoY
$246.5M
+13.9% YoY
$578.3M
+9.0% YoY
Top 9.7% in tier
Loans $40.3M
-0.2% YoY-1.4% QoQ
+$25.1M $15.3M
-2.0% YoY
$136.3M
+13.4% YoY
$402.4M
+8.7% YoY
Top 9.3% in tier
Deposits $66.2M
+1.7% YoY+3.4% QoQ
+$40.4M $25.8M
+0.7% YoY
$217.1M
+13.8% YoY
$494.3M
+9.1% YoY
Top 8.7% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.1%
+23.6% YoY+12.6% QoQ
+0.9% 0.1%
-77.6% YoY
0.6%
+218.7% YoY
0.4%
-39.2% YoY
71%
NIM 3.9%
-4.6% YoY-4.9% QoQ
-0.1% 4.0%
+4.0% YoY
3.6%
+1.6% YoY
3.8%
+4.1% YoY
52%
Efficiency Ratio 77.0%
-1.2% YoY+0.3% QoQ
-13.6% 90.6%
+6.5% YoY
83.6%
-6.8% YoY
84.6%
+2.8% YoY
39%
Delinquency Rate 1.9%
-8.0% YoY-16.0% QoQ
+0.4 1.5%
+3.8% YoY
2.5%
+122.5% YoY
1.2%
+3.4% YoY
80%
Loan To Share 60.9%
-1.9% YoY-4.6% QoQ
+2.4% 58.5%
-3.0% YoY
52.8%
-1.3% YoY
65.6%
-1.4% YoY
54%
AMR $19,057
+5.2% YoY+2.2% QoQ
+$4K $14,884
-1.7% YoY
$17,581
+5.9% YoY
$19,920
+1.6% YoY
74%
CD Concentration 12.5%
+26.5% YoY-1.3% QoQ
-11.8% 24.3% 14.5% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 4.5% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
218
Total Deposits
balance_sheet
Value: $66.19M
Peer Median: $18.77M
#218 of 2508 Top 8.7% in <100M tier
233
Total Loans
balance_sheet
Value: $40.33M
Peer Median: $9.48M
#233 of 2508 Top 9.3% in <100M tier
244
Total Assets
balance_sheet
Value: $75.15M
Peer Median: $21.86M
#244 of 2508 Top 9.7% in <100M tier
263
Total Members
engagement
Value: 5,590
Peer Median: 1,918
#263 of 2508 Top 10.4% in <100M tier
582
Loan-to-Member Ratio (LMR)
engagement
Value: $7,215
Peer Median: $4,923
#582 of 2508 Top 23.2% in <100M tier
628
AMR Growth Rate
growth
Value: 5.19%
Peer Median: 1.27%
#628 of 2508 Top 25.0% in <100M tier

Top Weaknesses (2 metrics)

2017
Total Delinquency Rate (60+ days)
risk
Value: 1.94%
Peer Median: 0.65%
#2017 of 2508 Bottom 19.6% in <100M tier
1942
Member Growth Rate
growth
Value: -4.05%
Peer Median: -1.37%
#1942 of 2508 Bottom 22.6% in <100M tier
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