BlastPoint's Credit Union Scorecard
NAFT
Charter #10994 · TX
NAFT has 9 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 4.2% in tier
- + Emerging Performer: Top 21.5% in tier
- + Wallet Share Momentum: Top 42.8% in tier
- + Organic Growth Leader: Top 47.3% in tier
- + ROA 1.12% above tier average
- + Net Interest Margin 0.06% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 2.6% in tier
- + Net Worth Ratio: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 41.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,078
+2.7% YoY+0.4% QoQ
|
-3.4K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$147.7M
+10.5% YoY-0.5% QoQ
|
$-84.1M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$69.7M
+12.9% YoY+6.0% QoQ
|
$-77.6M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$122.3M
+10.3% YoY-0.8% QoQ
|
$-78.5M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
1.9%
+8.1% YoY+3.2% QoQ
|
+1.1% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 3.1% in tier |
| NIM |
3.7%
+0.5% YoY+1.3% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
63.0%
+0.1% YoY-0.7% QoQ
|
-14.1% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.9% in tier |
| Delinquency Rate |
0.4%
-24.6% YoY-9.7% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
57.0%
+2.3% YoY+6.9% QoQ
|
-15.2% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$15,899
+8.3% YoY+1.1% QoQ
|
$-9K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.4% in tier |
| CD Concentration |
17.9%
+18.6% YoY+5.1% QoQ
|
-6.5% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)