BlastPoint's Credit Union Scorecard
COUNCILL
Charter #9554 · AL
COUNCILL has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.23% below tier average
- - Efficiency ratio 6.42% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 5.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.0% in tier
- - Share Certificate Concentration (%): Bottom 7.3% in tier
- - Total Loans: Bottom 9.0% in tier
- - Loan-to-Share Ratio: Bottom 9.0% in tier
- - Average Member Relationship (AMR): Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
614
+2.2% YoY+0.7% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$2.8M
-0.0% YoY+4.7% QoQ
|
$-27.4M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.0% in tier |
| Loans |
$668,934
-19.8% YoY-4.2% QoQ
|
$-15.1M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.0% in tier |
| Deposits |
$2.4M
+4.9% YoY-0.4% QoQ
|
$-23.3M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.6%
-1371.4% YoY-71.9% QoQ
|
-1.2% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.9% in tier |
| NIM |
4.2%
-16.3% YoY-7.2% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
89.0%
+0.7% YoY-21.4% QoQ
|
+6.4% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.7%
-65.9% YoY+32.5% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
28.4%
-23.6% YoY-3.7% QoQ
|
-32.3% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.9% in tier |
| AMR |
$4,932
-3.8% YoY-1.9% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.0% in tier |
| CD Concentration |
40.4%
+9.2% YoY+0.7% QoQ
|
+16.0% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 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)