BlastPoint's Credit Union Scorecard

MAC

Charter #8080 · AK

1069 CUs in 100M-500M nationally 5 in AK

MAC has 5 strengths but faces 14 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

+ Net Interest Margin 2.17% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 1.3% in tier
+ Fee Income Per Member: Top 5.8% in tier
+ Loan-to-Share Ratio: Top 7.3% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 5.1% in tier
- Stagnation Risk: Bottom 5.1% in tier
- Capital Constraint: Bottom 13.6% in tier
- Institutional Decline: Bottom 41.8% in tier
- Liquidity Strain: Bottom 74.5% in tier
- Efficiency Drag: Bottom 98.5% in tier
- ROA 1.07% below tier average
- Efficiency ratio 6.12% above tier (higher cost structure)
- Delinquency rate 0.61% above tier average
- Member decline: -11.4% YoY
- Deposit Growth Rate: Bottom 0.3% in tier
- Asset Growth Rate: Bottom 0.5% in tier
- Net Charge-Off Rate: Bottom 1.3% in tier
- Member Growth Rate: Bottom 2.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Members	18,188 -11.4% YoY-0.2% QoQ	+2.8K	15,437 -2.9% YoY	113,831 +3.1% YoY	33,374 +5.7% YoY	69%
Assets	$173.9M -13.8% YoY-0.6% QoQ	$-57.9M	$231.9M +1.3% YoY	$1.8B +10.4% YoY	$561.6M +9.7% YoY	41%
Loans	$143.1M -1.2% YoY-3.2% QoQ	$-4.3M	$147.3M -0.1% YoY	$1.5B +8.8% YoY	$397.0M +8.8% YoY	58%
Deposits	$150.7M -15.5% YoY+0.4% QoQ	$-50.1M	$200.8M +0.8% YoY	$1.6B +11.8% YoY	$477.3M +9.7% YoY	42%

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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	-0.3% -76.8% YoY-45.2% QoQ	-1.1%	0.8% +18.2% YoY	0.6% +35.7% YoY	0.7% +15.9% YoY	Bottom 3.5% in tier
NIM	5.8% +15.8% YoY+1.3% QoQ	+2.2%	3.6% +6.7% YoY	4.2% +5.1% YoY	3.8% +5.1% YoY	Top 0.4% in tier
Efficiency Ratio	83.1% -6.6% YoY-2.2% QoQ	+6.1%	77.0% -3.1% YoY	78.5% -3.0% YoY	79.7% -3.3% YoY	72%
Delinquency Rate	1.5% -35.5% YoY+18.7% QoQ	+0.6	0.9% +4.2% YoY	0.9% -6.6% YoY	1.3% -2.1% YoY	Top 13.5% in tier
Loan To Share	94.9% +16.9% YoY-3.6% QoQ	+22.7%	72.2% -1.1% YoY	75.9% -0.1% YoY	67.4% -1.7% YoY	Top 7.4% in tier
AMR	$16,153 +2.6% YoY-1.2% QoQ	$-9K	$24,676 +3.4% YoY	$26,046 +3.3% YoY	$19,687 +2.0% YoY	Bottom 13.0% in tier
CD Concentration	30.5% +15.5% YoY+15.1% QoQ	+6.1%	24.4%	22.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	15.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Membership Headwinds

decline

#29 of 554 • Bottom 5.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -11.38%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#29 of 554 • Bottom 5.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -11.38%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.23%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.51%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Capital Constraint

risk

#4 of 23 • Bottom 13.6% 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: 94.94%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -15.51%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 11.30%

(Tier: 11.97%, National: 14.49%)

worse than tier avg

23 of 1069 Mid-Small & Community CUs have this signature | 32 nationally

→ No prior data (23 CUs now) | New qualifier

Institutional Decline

decline

#101 of 240 • Bottom 41.8% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $173.94M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -11.38%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.23%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Liquidity Strain

risk

#170 of 228 • Bottom 74.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.94%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -1.23%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Efficiency Drag

risk

#530 of 538 • Bottom 98.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.14%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 1.02% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -11.38%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.78%

Peer Median: -

#4 of 1069 Top 0.3% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.27%

Peer Median: -

#15 of 1069 Top 1.3% in 100M-500M tier

Fee Income Per Member

profitability

Value: $295.22

Peer Median: -

#63 of 1069 Top 5.8% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.94%

Peer Median: -

#79 of 1069 Top 7.3% in 100M-500M tier

Top Weaknesses (7 metrics)

1067

Deposit Growth Rate

growth

Value: -15.51%

Peer Median: -

#1067 of 1069 Bottom 0.3% in 100M-500M tier

1065

Asset Growth Rate

growth

Value: -13.79%

Peer Median: -

#1065 of 1069 Bottom 0.5% in 100M-500M tier

1056

Net Charge-Off Rate

risk

Value: 2.16%

Peer Median: -

#1056 of 1069 Bottom 1.3% in 100M-500M tier

1043

Member Growth Rate

growth

Value: -11.38%

Peer Median: -

#1043 of 1069 Bottom 2.5% in 100M-500M tier

1032

Return on Assets (ROA)

profitability

Value: -0.31%

Peer Median: -

#1032 of 1069 Bottom 3.6% in 100M-500M tier

930

Average Member Relationship (AMR)

engagement

Value: $16,153

Peer Median: -

#930 of 1069 Bottom 13.1% in 100M-500M tier

926

Total Delinquency Rate (60+ days)

risk

Value: 1.51%

Peer Median: -

#926 of 1069 Bottom 13.5% in 100M-500M tier