BlastPoint's Credit Union Scorecard
COUNCILL
Charter #9554 · AL
COUNCILL has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.05% above tier average
- + Efficiency Ratio: Top 0.6% in tier
- + Asset Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.88% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 6.2% in tier
- - Share Certificate Concentration (%): Bottom 7.1% in tier
- - Total Loans: Bottom 8.9% in tier
- - Loan-to-Share Ratio: Bottom 8.9% in tier
- - Average Member Relationship (AMR): Bottom 9.1% in tier
- - Loan Growth Rate: Bottom 9.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 52 that size in Alabama.
- Shares and deposits +5.8% year over year ($2.4M in shares and deposits).
- Membership: 618 members, +1.8% vs a year ago.
- Delinquency rate 2.43%.
- Return on assets 2.54%.
- Efficiency ratio 31.74% vs a 88.77% peer average.
- Loan-to-share ratio 27.02% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
618
+1.8% YoY-0.2% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
17% |
| Assets |
$2.8M
+8.6% YoY+0.7% QoQ
|
$-27.5M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.9% in tier |
| Loans |
$660,551
-16.9% YoY-8.3% QoQ
|
$-14.8M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.8% in tier |
| Deposits |
$2.4M
+5.8% YoY+0.6% QoQ
|
$-23.4M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.9% in tier |
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| ROA |
2.5%
-205.7% YoY-8.6% QoQ
|
+1.0% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
Top 5.5% in tier |
| NIM |
3.5%
-19.9% YoY+0.7% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
33% |
| Efficiency Ratio |
31.7%
-68.5% YoY+25.4% QoQ
|
-57.0% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
Top 0.6% in tier |
| Delinquency Rate |
2.4%
+591.3% YoY+50.8% QoQ
|
+0.9 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
83% |
| Loan To Share |
27.0%
-21.5% YoY-8.9% QoQ
|
-31.9% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 8.7% in tier |
| AMR |
$5,024
-1.8% YoY-1.3% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 9.1% in tier |
| CD Concentration |
41.4%
+34.3% YoY-1.1% QoQ
|
+16.8% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)