BlastPoint's Credit Union Scorecard

MAC

Charter #8080 · AK

1077 CUs in 100M-500M nationally 5 in AK

MAC has 6 strengths but faces 13 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

+ Wallet Share Momentum: Top 78.1% in tier
+ Net Interest Margin 2.12% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 1.4% in tier
+ Loan-to-Share Ratio: Top 4.1% in tier
+ Fee Income Per Member: Top 4.9% in tier

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 0.0% in tier
- Membership Headwinds: Bottom 1.7% in tier
- Liquidity Strain: Bottom 16.7% in tier
- Stagnation Risk: Bottom 26.8% in tier
- Efficiency Drag: Bottom 27.3% in tier
- ROA 1.35% below tier average
- Efficiency ratio 7.73% above tier (higher cost structure)
- Delinquency rate 0.41% above tier average
- Member decline: -11.3% YoY
- Deposit Growth Rate: Bottom 0.7% in tier
- Net Charge-Off Rate: Bottom 1.1% in tier
- Asset Growth Rate: Bottom 1.7% in tier
- Member Growth Rate: Bottom 2.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Members	18,223 -11.3% YoY-13.3% QoQ	+2.6K	15,628 -3.4% YoY	113,900 +3.3% YoY	33,089 +6.1% YoY	69%
Assets	$175.0M -7.0% YoY-2.4% QoQ	$-56.3M	$231.3M -0.0% YoY	$1.8B +11.8% YoY	$547.7M +7.8% YoY	41%
Loans	$147.8M -0.3% YoY-1.0% QoQ	$-33K	$147.8M -1.4% YoY	$1.5B +8.8% YoY	$388.7M +8.6% YoY	60%
Deposits	$150.1M -11.0% YoY-3.5% QoQ	$-50.2M	$200.3M -0.0% YoY	$1.6B +14.4% YoY	$464.6M +9.3% YoY	41%

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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	-0.6% -44.9% YoY+72.8% QoQ	-1.3%	0.8% +15.5% YoY	0.6% +34.6% YoY	0.7% +273.4% YoY	Bottom 1.9% in tier
NIM	5.7% +12.9% YoY+6.9% QoQ	+2.1%	3.6% +6.9% YoY	4.2% +5.6% YoY	3.7% +5.0% YoY	Top 0.4% in tier
Efficiency Ratio	85.0% -0.6% YoY+1.3% QoQ	+7.7%	77.3% -3.0% YoY	78.1% -3.3% YoY	79.1% -3.3% YoY	77%
Delinquency Rate	1.3% -47.9% YoY+39.3% QoQ	+0.4	0.9% +7.6% YoY	0.8% -14.6% YoY	1.2% -0.9% YoY	80%
Loan To Share	98.4% +12.0% YoY+2.7% QoQ	+25.7%	72.7% -1.5% YoY	77.0% -0.7% YoY	68.0% -1.7% YoY	Top 4.2% in tier
AMR	$16,346 +6.0% YoY+12.7% QoQ	$-8K	$24,363 +2.9% YoY	$25,886 +3.8% YoY	$19,418 +1.3% YoY	15%
CD Concentration	26.5% -0.8% YoY+11.5% QoQ	+2.1%	24.4% +4.2% YoY	21.9% +3.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	15.6% -2.3% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#376 of 481 • Top 78.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.99%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Capital Constraint

risk

#1 of 18 • Bottom 0.0% 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: 98.44%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Deposit Growth (YoY): -10.99%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Net Worth Ratio: 11.29%

(Tier: 11.95%, National: 14.51%)

worse than tier avg

18 of 1077 Community CUs have this signature | 29 nationally

↓ Shrinking -33 CUs YoY | New qualifier

Membership Headwinds

decline

#29 of 550 • Bottom 1.7% in tier

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

Why This Signature

Member Growth (YoY): -11.31%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Strain

risk

#130 of 258 • Bottom 16.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.44%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -0.34%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Stagnation Risk

risk

#442 of 550 • Bottom 26.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -11.31%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -0.34%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.27%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Efficiency Drag

risk

#482 of 521 • Bottom 27.3% in tier

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

Why This Signature

Efficiency Ratio: 85.01%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.46% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -11.31%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 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 1077 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.70%

Peer Avg: -

#4 of 1077 Top 0.3% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.28%

Peer Avg: -

#16 of 1077 Top 1.4% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 98.44%

Peer Avg: -

#45 of 1077 Top 4.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $305.98

Peer Avg: -

#54 of 1077 Top 4.9% in 100M-500M tier

Top Weaknesses (8 metrics)

1070

Deposit Growth Rate

growth

Value: -10.99%

Peer Avg: -

#1070 of 1077 Bottom 0.7% in 100M-500M tier

1066

Net Charge-Off Rate

risk

Value: 2.12%

Peer Avg: -

#1066 of 1077 Bottom 1.1% in 100M-500M tier

1060

Asset Growth Rate

growth

Value: -7.00%

Peer Avg: -

#1060 of 1077 Bottom 1.7% in 100M-500M tier

1057

Return on Assets (ROA)

profitability

Value: -0.56%

Peer Avg: -

#1057 of 1077 Bottom 1.9% in 100M-500M tier

1049

Member Growth Rate

growth

Value: -11.31%

Peer Avg: -

#1049 of 1077 Bottom 2.7% in 100M-500M tier

913

Average Member Relationship (AMR)

engagement

Value: $16,346

Peer Avg: -

#913 of 1077 Bottom 15.3% in 100M-500M tier

860

Total Delinquency Rate (60+ days)

risk

Value: 1.27%

Peer Avg: -

#860 of 1077 Bottom 20.2% in 100M-500M tier

826

Efficiency Ratio

profitability

Value: 85.01%

Peer Avg: -

#826 of 1077 Bottom 23.4% in 100M-500M tier