BlastPoint's Credit Union Scorecard

TUSCALOOSA V A

Charter #7532 · AL

2596 CUs in <100M nationally 54 in AL

TUSCALOOSA V A has 2 strengths but faces 2 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

+ 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	73%
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	77%
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	79%
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	78%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	45%
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	46%
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	46%
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	50%
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	82%
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	50%
Indirect Auto %	16.5% +3.3% YoY+2.3% QoQ	+2.6%	14.0% -5.7% YoY	5.4% -6.7% YoY	7.9% -2.9% YoY	50%

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)

Compare against:

Comparing against 2596 peers in tier

Top Strengths (11 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Avg: -

#1 of 2596 Top 0.0% in <100M tier

Loan Growth Rate

growth

Value: 21.86%

Peer Avg: -

#67 of 2596 Top 2.5% in <100M tier

289

AMR Growth Rate

growth

Value: 9.07%

Peer Avg: -

#289 of 2596 Top 11.1% in <100M tier

329

Member Growth Rate

growth

Value: 2.90%

Peer Avg: -

#329 of 2596 Top 12.6% in <100M tier

359

Asset Growth Rate

growth

Value: 7.78%

Peer Avg: -

#359 of 2596 Top 13.8% in <100M tier

427

Deposit Growth Rate

growth

Value: 7.08%

Peer Avg: -

#427 of 2596 Top 16.4% in <100M tier

474

Average Member Relationship (AMR)

engagement

Value: $20,584

Peer Avg: -

#474 of 2596 Top 18.2% in <100M tier

508

Loan-to-Member Ratio (LMR)

engagement

Value: $7,789

Peer Avg: -

#508 of 2596 Top 19.5% in <100M tier

552

Total Loans

balance_sheet

Value: $26.81M

Peer Avg: -

#552 of 2596 Top 21.2% in <100M tier

568

Total Deposits

balance_sheet

Value: $44.04M

Peer Avg: -

#568 of 2596 Top 21.8% in <100M tier

Top Weaknesses (1 metrics)

2412

Indirect Auto Concentration (%)

balance_sheet

Value: 16.55%

Peer Avg: -

#2412 of 2596 Bottom 7.1% in <100M tier