TUSCALOOSA V A
Charter #7532 | AL
<100M
(2596 CUs)
Micro
($0-$500M)
54 <100M in AL
TUSCALOOSA V A has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Loan Growth Rate: Top 2.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.02% below tier average
- - Indirect Auto Concentration (%): Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,442
+2.9% YoY+0.3% QoQ
|
+816 |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
73rd in tier |
| Assets |
$49.9M
+7.8% YoY+2.2% QoQ
|
+$20.0M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Top 22.7% in tier |
| Loans |
$26.8M
+21.9% YoY-10.2% QoQ
|
+$11.0M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
Top 21.3% in tier |
| Deposits |
$44.0M
+7.1% YoY+1.5% QoQ
|
+$18.6M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Top 21.9% in tier |
| ROA |
0.7%
+8.9% YoY+376.4% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
45th in tier |
| NIM |
3.8%
+14.9% YoY+9.8% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
46th in tier |
| Efficiency Ratio |
76.9%
-8.4% YoY-7.5% QoQ
|
-4.5% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
46th in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
60.9%
+13.8% YoY-11.5% QoQ
|
-0.4% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
50th in tier |
| AMR |
$20,584
+9.1% YoY-3.6% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Top 18.3% in tier |
| CD Concentration |
14.8%
+18.4% YoY-2.5% QoQ
|
-9.6% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
16.5%
+3.3% YoY+2.3% QoQ
|
+2.6% |
14.0%
-5.8% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (11 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
67
Loan Growth Rate
growth
Value:
21.86%
Peer Avg: 59.01%
#67 of 2596
Top 2.5% in <100M tier
289
AMR Growth Rate
growth
Value:
9.07%
Peer Avg: 4.67%
#289 of 2596
Top 11.1% in <100M tier
329
Member Growth Rate
growth
Value:
2.90%
Peer Avg: 14.92%
#329 of 2596
Top 12.6% in <100M tier
359
Asset Growth Rate
growth
Value:
7.78%
Peer Avg: 1.82%
#359 of 2596
Top 13.8% in <100M tier
427
Deposit Growth Rate
growth
Value:
7.08%
Peer Avg: 16.80%
#427 of 2596
Top 16.4% in <100M tier
474
Average Member Relationship (AMR)
engagement
Value:
$20,584
Peer Avg: $14,627
#474 of 2596
Top 18.2% in <100M tier
508
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,789
Peer Avg: $5,488
#508 of 2596
Top 19.5% in <100M tier
552
Total Loans
balance_sheet
Value:
$26.81M
Peer Avg: $15.77M
#552 of 2596
Top 21.2% in <100M tier
568
Total Deposits
balance_sheet
Value:
$44.04M
Peer Avg: $25.45M
#568 of 2596
Top 21.8% in <100M tier
Top Weaknesses (1 metrics)
2412
Indirect Auto Concentration (%)
balance_sheet
Value:
16.55%
Peer Avg: 2.84%
#2412 of 2596
Bottom 7.1% in <100M tier