BlastPoint's Credit Union Scorecard
TUSCALOOSA V A
Charter #7532 · AL
TUSCALOOSA V A has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.00% above tier average
- + Net Interest Margin 0.58% above tier average
- + Strong member growth: 39.8% YoY
- + Member Growth Rate: Top 0.7% in tier
- + Loan Growth Rate: Top 0.9% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 3.9% in tier
- - Indirect Auto Concentration (%): Bottom 4.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,788
+39.8% YoY+38.7% QoQ
|
+2.1K |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
Top 14.8% in tier |
| Assets |
$51.6M
+7.2% YoY+1.4% QoQ
|
+$21.4M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
78% |
| Loans |
$32.5M
+47.7% YoY+33.0% QoQ
|
+$17.2M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
Top 14.7% in tier |
| Deposits |
$45.6M
+6.2% YoY+1.5% QoQ
|
+$19.8M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
79% |
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| ROA |
1.1%
+247.5% YoY+80.9% QoQ
|
+1.0% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
75% |
| NIM |
4.6%
+38.9% YoY+21.8% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
79% |
| Efficiency Ratio |
68.0%
-22.3% YoY-13.6% QoQ
|
-22.7% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
22% |
| Delinquency Rate |
0.5%
-35.0% YoY+3.4% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
45% |
| Loan To Share |
71.3%
+39.0% YoY+31.0% QoQ
|
+12.8% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
70% |
| AMR |
$16,316
-14.0% YoY-18.9% QoQ
|
+$1K |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
62% |
| CD Concentration |
14.0%
+2.6% YoY-3.2% QoQ
|
-10.2% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % |
28.0%
+20.7% YoY+77.9% QoQ
|
+14.2% | 13.8% | 5.1% | 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)