BlastPoint's Credit Union Scorecard
AUBURN UNIVERSITY
Charter #68701 · AL
AUBURN UNIVERSITY has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Loan Growth Rate: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.18% below tier average
- - Efficiency ratio 1.78% 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 |
18,122
+4.9% YoY+2.2% QoQ
|
+3.0K |
15,145
-2.5% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
70% |
| Assets |
$269.1M
+7.0% YoY+2.7% QoQ
|
+$37.4M |
$231.7M
+0.8% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
68% |
| Loans |
$150.0M
+19.3% YoY+6.0% QoQ
|
+$5.8M |
$144.1M
+0.2% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
62% |
| Deposits |
$243.9M
+6.0% YoY+2.8% QoQ
|
+$42.8M |
$201.1M
+0.4% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
69% |
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| ROA |
0.5%
+116.2% YoY+25.1% QoQ
|
-0.2% |
0.7%
+5.1% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
39% |
| NIM |
2.9%
+1.0% YoY+0.2% QoQ
|
-0.7% |
3.6%
+4.6% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 12.8% in tier |
| Efficiency Ratio |
79.8%
-4.5% YoY-2.4% QoQ
|
+1.8% |
78.0%
-1.7% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
55% |
| Delinquency Rate |
0.6%
-9.4% YoY-39.8% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
48% |
| Loan To Share |
61.5%
+12.5% YoY+3.0% QoQ
|
-8.9% |
70.4%
-0.4% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$21,737
+5.5% YoY+1.8% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
43% |
| CD Concentration |
33.5%
+21.3% YoY-1.5% QoQ
|
+9.2% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % |
15.3%
-13.3% YoY-6.3% QoQ
|
+1.5% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)