BlastPoint's Credit Union Scorecard

AUBURN UNIVERSITY

Charter #68701 · AL

1069 CUs in 100M-500M nationally 19 in AL

AUBURN UNIVERSITY has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 48.2% in tier
+ Wallet Share Momentum: Top 73.2% in tier
+ Organic Growth Engine: Top 80.5% in tier
+ Loan Growth Rate: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 58.7% in tier
- Indirect Auto Dependency: Bottom 78.0% in tier
- ROA 0.32% below tier average
- Efficiency ratio 4.71% above tier (higher cost structure)
- Delinquency rate 0.08% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	17,740 +2.7% YoY0% QoQ	+2.3K	15,437 -2.9% YoY	27,849 -7.3% YoY	33,374 +5.7% YoY	68%
Assets	$262.0M +8.0% YoY+0.9% QoQ	+$30.2M	$231.9M +1.3% YoY	$442.6M +8.5% YoY	$561.6M +9.7% YoY	67%
Loans	$141.6M +14.0% YoY+4.1% QoQ	$-5.8M	$147.3M -0.1% YoY	$260.4M +7.2% YoY	$397.0M +8.8% YoY	58%
Deposits	$237.2M +6.6% YoY+0.6% QoQ	+$36.4M	$200.8M +0.8% YoY	$387.0M +6.9% YoY	$477.3M +9.7% YoY	68%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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% +20.5% YoY-6.1% QoQ	-0.3%	0.8% +18.2% YoY	0.7% +32.7% YoY	0.7% +15.9% YoY	26%
NIM	2.9% +1.6% YoY-0.6% QoQ	-0.7%	3.6% +6.7% YoY	3.7% +4.6% YoY	3.8% +5.1% YoY	16%
Efficiency Ratio	81.7% -2.3% YoY-0.2% QoQ	+4.7%	77.0% -3.1% YoY	78.3% -5.6% YoY	79.7% -3.3% YoY	67%
Delinquency Rate	1.0% -13.9% YoY+18.6% QoQ	+0.1	0.9% +4.2% YoY	1.7% +25.2% YoY	1.3% -2.1% YoY	68%
Loan To Share	59.7% +6.9% YoY+3.5% QoQ	-12.6%	72.2% -1.1% YoY	60.7% -1.8% YoY	67.4% -1.7% YoY	22%
AMR	$21,352 +6.4% YoY+1.8% QoQ	$-3K	$24,676 +3.4% YoY	$17,441 +4.4% YoY	$19,687 +2.0% YoY	42%
CD Concentration	34.0% +32.8% YoY+3.7% QoQ	+9.6%	24.4%	21.2%	19.8%	50%
Indirect Auto %	16.4% -4.0% YoY-4.1% QoQ	+2.6%	13.8%	5.2%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#206 of 426 • Top 48.2% in tier

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

Why This Signature

Member Growth (YoY): 2.67%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 16.37%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Wallet Share Momentum

growth

#376 of 513 • Top 73.2% in tier

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

Why This Signature

AMR Growth (YoY): 6.43%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Organic Growth Engine

growth

#479 of 595 • Top 80.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.67%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.44%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 16.37%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Efficiency Drag

risk

#316 of 538 • Bottom 58.7% in tier

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

Why This Signature

Efficiency Ratio: 81.72%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.07% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 2.67%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#395 of 506 • Bottom 78.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 8.02%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 16.37%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 2.67%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (4 metrics)

Loan Growth Rate

growth

Value: 13.98%

Peer Median: -

#95 of 1069 Top 8.8% in 100M-500M tier

198

Members Per Employee (MPE)

engagement

Value: 403.182

Peer Median: -

#198 of 1069 Top 18.4% in 100M-500M tier

235

Member Growth Rate

growth

Value: 2.67%

Peer Median: -

#235 of 1069 Top 21.9% in 100M-500M tier

250

Asset Growth Rate

growth

Value: 8.02%

Peer Median: -

#250 of 1069 Top 23.3% in 100M-500M tier

Top Weaknesses (5 metrics)

902

Net Interest Margin (NIM)

profitability

Value: 2.92%

Peer Median: -

#902 of 1069 Bottom 15.7% in 100M-500M tier

878

Fee Income Per Member

profitability

Value: $107.74

Peer Median: -

#878 of 1069 Bottom 18.0% in 100M-500M tier

878

Share Certificate Concentration (%)

balance_sheet

Value: 33.98%

Peer Median: -

#878 of 1069 Bottom 18.0% in 100M-500M tier

830

Loan-to-Share Ratio

balance_sheet

Value: 59.67%

Peer Median: -

#830 of 1069 Bottom 22.5% in 100M-500M tier

826

Net Worth Ratio

risk

Value: 9.69%

Peer Median: -

#826 of 1069 Bottom 22.8% in 100M-500M tier