BlastPoint's Credit Union Scorecard
ALBRIGHT
Charter #68620 · CT
ALBRIGHT has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.33% above tier average
- + Net Interest Margin 0.11% above tier average
- + Total Loans: Top 9.6% in tier
- + Total Deposits: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.75% above tier average
- - Member decline: -4.5% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,632
-4.5% YoY-1.7% QoQ
|
+3.0K |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
Top 10.7% in tier |
| Assets |
$72.7M
+3.4% YoY+0.3% QoQ
|
+$42.6M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
Top 11.2% in tier |
| Loans |
$40.9M
-2.0% YoY+1.5% QoQ
|
+$25.2M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
Top 9.6% in tier |
| Deposits |
$64.0M
+2.7% YoY+0.0% QoQ
|
+$38.4M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Top 9.9% in tier |
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| ROA |
1.0%
-11.2% YoY+2.0% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
4.1%
-5.0% YoY+0.0% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
76.7%
-0.2% YoY-0.1% QoQ
|
-5.8% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
2.3%
-7.2% YoY+4.5% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
63.9%
-4.6% YoY+1.5% QoQ
|
+3.3% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$18,637
+5.6% YoY+2.3% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
73% |
| CD Concentration |
12.6%
+54.7% YoY+8.1% QoQ
|
-11.8% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)