BlastPoint's Credit Union Scorecard
TUSCALOOSA V A
Charter #7532 · AL
TUSCALOOSA V A has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.59% above tier average
- + Strong member growth: 55.5% YoY
- + Member Growth Rate: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.36% below tier average
- - AMR Growth Rate: Bottom 0.9% in tier
- - Indirect Auto Concentration (%): Bottom 4.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 52 that size in Alabama.
- Shares and deposits +5.2% year over year ($45.6M in shares and deposits).
- Membership: 5,338 members, +55.5% vs a year ago.
- Delinquency rate 0.24%.
- Return on assets 1.13%.
- Efficiency ratio 69.35% vs a 88.77% peer average.
- Loan-to-share ratio 68.96% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,338
+55.5% YoY+11.5% QoQ
|
+2.8K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
Top 11.5% in tier |
| Assets |
$51.9M
+6.4% YoY+0.6% QoQ
|
+$21.6M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
78% |
| Loans |
$31.5M
+5.4% YoY-3.2% QoQ
|
+$16.0M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$45.6M
+5.2% YoY+0.1% QoQ
|
+$19.8M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
79% |
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| ROA |
1.1%
+708.7% YoY-1.7% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
66% |
| NIM |
4.5%
+29.9% YoY-2.2% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
76% |
| Efficiency Ratio |
69.4%
-16.6% YoY+2.0% QoQ
|
-19.4% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
25% |
| Delinquency Rate |
0.2%
-67.3% YoY-57.1% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
28% |
| Loan To Share |
69.0%
+0.2% YoY-3.3% QoQ
|
+10.1% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
65% |
| AMR |
$14,446
-32.3% YoY-11.5% QoQ
|
$-517 |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
14.0%
-8.0% YoY-0.4% QoQ
|
-10.6% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % |
25.9%
+60.4% YoY-7.3% QoQ
|
+12.3% | 13.6% | 5.2% | 7.7% | 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)