BlastPoint's Credit Union Scorecard

MAC

Charter #8080 · AK

100M-500M

1070 CUs in 100M-500M nationally 5 in AK

MAC has 7 strengths but faces 8 concerns

National Analysis

How does the industry compare?

AK Analysis

How does AK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.23% above tier average
+ Net Interest Margin 1.80% above tier average
+ First Mortgage Concentration (%): Top 1.6% in tier
+ Fee Income Per Member: Top 2.9% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Capital Constraint: Bottom 50.0% in tier
- Delinquency rate 0.35% above tier average
- Deposit Growth Rate: Bottom 0.7% in tier
- Asset Growth Rate: Bottom 0.8% in tier
- Net Charge-Off Rate: Bottom 2.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Members	18,242 +1.7% YoY+0.3% QoQ	+3.1K	15,145 -2.5% YoY	114,751 +3.4% YoY	33,913 +5.7% YoY	71%
Assets	$175.9M -10.2% YoY+1.1% QoQ	$-55.8M	$231.7M +0.8% YoY	$1.8B +8.8% YoY	$578.3M +9.0% YoY	42%
Loans	$138.3M -4.8% YoY-3.3% QoQ	$-5.8M	$144.1M +0.2% YoY	$1.4B +7.7% YoY	$402.4M +8.7% YoY	58%
Deposits	$157.9M -10.4% YoY+4.8% QoQ	$-43.2M	$201.1M +0.4% YoY	$1.6B +10.3% YoY	$494.3M +9.1% YoY	44%

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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	1.0% +36.2% YoY-411.7% QoQ	+0.2%	0.7% +5.1% YoY	0.8% +12.2% YoY	0.4% -39.2% YoY	68%
NIM	5.4% +9.9% YoY-6.0% QoQ	+1.8%	3.6% +4.6% YoY	4.2% +5.3% YoY	3.8% +4.1% YoY	Top 1.3% in tier
Efficiency Ratio	69.8% +2.4% YoY-16.0% QoQ	-8.2%	78.0% -1.7% YoY	77.7% -1.8% YoY	84.6% +2.8% YoY	24%
Delinquency Rate	1.1% +30.3% YoY-25.2% QoQ	+0.4	0.8% +7.1% YoY	0.8% +11.5% YoY	1.2% +3.4% YoY	81%
Loan To Share	87.6% +6.2% YoY-7.7% QoQ	+17.2%	70.4% -0.4% YoY	75.0% -0.5% YoY	65.6% -1.4% YoY	85%
AMR	$16,241 -9.4% YoY+0.5% QoQ	$-9K	$24,918 +2.7% YoY	$26,073 +2.2% YoY	$19,920 +1.6% YoY	Bottom 13.7% in tier
CD Concentration	32.3% +37.7% YoY+6.1% QoQ	+8.1%	24.3%	22.8%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	15.3%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#177 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.69%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.96%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#250 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.69%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Emerging Performer

growth

#136 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.96%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 1.69%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#26 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -9.40%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Deposit Outflow

decline

#9 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -10.39%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 1.69%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Credit Quality Pressure

risk

#264 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Capital Constraint

risk

#10 of 16 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 87.60%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Deposit Growth (YoY): -10.39%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Net Worth Ratio: 11.40%

(Tier: 11.91%, National: 14.35%)

worse than tier avg

16 of 1070 Mid-Small & Community CUs have this signature | 25 nationally

→ No prior data (16 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.43%

Peer Median: 3.62%

#14 of 1070 Top 1.2% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.27%

Peer Median: 29.47%

#18 of 1070 Top 1.6% in 100M-500M tier

Fee Income Per Member

profitability

Value: $328.20

Peer Median: $154.95

#32 of 1070 Top 2.9% in 100M-500M tier

164

Loan-to-Share Ratio

balance_sheet

Value: 87.60%

Peer Median: 71.88%

#164 of 1070 Top 15.2% in 100M-500M tier

258

Efficiency Ratio

profitability

Value: 69.81%

Peer Median: 78.68%

#258 of 1070 Top 24.0% in 100M-500M tier

Top Weaknesses (8 metrics)

1063

Deposit Growth Rate

growth

Value: -10.39%

Peer Median: 3.30%

#1063 of 1070 Bottom 0.7% in 100M-500M tier

1062

Asset Growth Rate

growth

Value: -10.19%

Peer Median: 3.91%

#1062 of 1070 Bottom 0.8% in 100M-500M tier

1048

Net Charge-Off Rate

risk

Value: 1.94%

Peer Median: 0.35%

#1048 of 1070 Bottom 2.1% in 100M-500M tier

1046

AMR Growth Rate

growth

Value: -9.40%

Peer Median: 3.46%

#1046 of 1070 Bottom 2.3% in 100M-500M tier

949

Loan Growth Rate

growth

Value: -4.80%

Peer Median: 2.93%

#949 of 1070 Bottom 11.4% in 100M-500M tier

923

Average Member Relationship (AMR)

engagement

Value: $16,241

Peer Median: $22,931

#923 of 1070 Bottom 13.8% in 100M-500M tier

866

Total Delinquency Rate (60+ days)

risk

Value: 1.13%

Peer Median: 0.61%

#866 of 1070 Bottom 19.2% in 100M-500M tier

843

Share Certificate Concentration (%)

balance_sheet

Value: 32.35%

Peer Median: 23.10%

#843 of 1070 Bottom 21.3% in 100M-500M tier