BlastPoint's Credit Union Scorecard
ROCKET CITY
Charter #9662 · AL
ROCKET CITY demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.69% above tier average
- + Net Interest Margin 0.33% above tier average
- + Member Growth Rate: Top 7.1% in tier
- + Total Members: Top 9.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,878
+4.4% YoY+0.8% QoQ
|
+3.3K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
Top 9.5% in tier |
| Assets |
$65.7M
+1.6% YoY+0.2% QoQ
|
+$35.5M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
Top 14.4% in tier |
| Loans |
$31.9M
+2.8% YoY-3.4% QoQ
|
+$16.1M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$54.8M
+1.6% YoY+1.3% QoQ
|
+$29.1M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
1.3%
-19.0% YoY-3.0% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
4.3%
+1.0% YoY+1.6% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
70.0%
+7.9% YoY+2.8% QoQ
|
-12.5% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
27% |
| Delinquency Rate |
0.1%
+2.4% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
58.2%
+1.2% YoY-4.6% QoQ
|
-2.5% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$14,745
-2.3% YoY-1.2% QoQ
|
$-38 |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
55% |
| CD Concentration |
9.2%
+35.1% YoY+2.7% QoQ
|
-15.3% | 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)