BlastPoint's Credit Union Scorecard
COUNCILL
Charter #9554 · AL
2596 CUs in <100M nationally
54 in AL
COUNCILL has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.58% above tier average
- + Strong member growth: 19.8% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 2.85% below tier average
- - Efficiency ratio 31.76% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 3.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.7% in tier
- - Share Certificate Concentration (%): Bottom 7.2% in tier
- - Total Loans: Bottom 9.3% in tier
- - Average Member Relationship (AMR): Bottom 9.5% in tier
- - Loan-to-Share Ratio: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
610
+19.8% YoY+0.5% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
17% |
| Assets |
$2.7M
+8.9% YoY+2.2% QoQ
|
$-27.2M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.0% in tier |
| Loans |
$697,927
-13.5% YoY-12.2% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.3% in tier |
| Deposits |
$2.4M
+3.4% YoY+2.6% QoQ
|
$-23.1M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.3% in tier |
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| ROA |
-2.2%
+231.9% YoY-9.9% QoQ
|
-2.8% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.8% in tier |
| NIM |
4.5%
-2.1% YoY+4.5% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
73% |
| Efficiency Ratio |
113.2%
+16.5% YoY+12.3% QoQ
|
+31.8% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 5.6% in tier |
| Delinquency Rate |
0.5%
-95.0% YoY+53.5% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
44% |
| Loan To Share |
29.5%
-16.3% YoY-14.4% QoQ
|
-31.8% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.7% in tier |
| AMR |
$5,029
-17.4% YoY-1.7% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.5% in tier |
| CD Concentration |
40.1%
+16.5% YoY+30.3% QoQ
|
+15.7% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
51
Member Growth Rate
growth
Value:
19.84%
Peer Avg: -
#51 of 2596
Top 1.9% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
275
Asset Growth Rate
growth
Value:
8.91%
Peer Avg: -
#275 of 2596
Top 10.6% in <100M tier
Top Weaknesses (13 metrics)
2523
Return on Assets (ROA)
profitability
Value:
-2.16%
Peer Avg: -
#2523 of 2596
Bottom 2.9% in <100M tier
2520
AMR Growth Rate
growth
Value:
-17.39%
Peer Avg: -
#2520 of 2596
Bottom 3.0% in <100M tier
2451
Efficiency Ratio
profitability
Value:
113.16%
Peer Avg: -
#2451 of 2596
Bottom 5.6% in <100M tier
2423
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,144
Peer Avg: -
#2423 of 2596
Bottom 6.7% in <100M tier
2409
Share Certificate Concentration (%)
balance_sheet
Value:
40.14%
Peer Avg: -
#2409 of 2596
Bottom 7.2% in <100M tier
2355
Total Loans
balance_sheet
Value:
$697,927
Peer Avg: -
#2355 of 2596
Bottom 9.3% in <100M tier
2350
Average Member Relationship (AMR)
engagement
Value:
$5,029
Peer Avg: -
#2350 of 2596
Bottom 9.5% in <100M tier
2340
Loan-to-Share Ratio
balance_sheet
Value:
29.45%
Peer Avg: -
#2340 of 2596
Bottom 9.9% in <100M tier
2285
Total Assets
balance_sheet
Value:
$2.65M
Peer Avg: -
#2285 of 2596
Bottom 12.0% in <100M tier
2251
Total Deposits
balance_sheet
Value:
$2.37M
Peer Avg: -
#2251 of 2596
Bottom 13.3% in <100M tier