BlastPoint's Credit Union Scorecard
NAFT
Charter #10994 · TX
NAFT has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.97% above tier average
- + First Mortgage Concentration (%): Top 3.1% in tier
- + Net Worth Ratio: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,072
+2.5% YoY-0.0% QoQ
|
-3.1K |
15,145
-2.5% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
44% |
| Assets |
$152.1M
+9.1% YoY+3.0% QoQ
|
$-79.6M |
$231.7M
+0.8% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
32% |
| Loans |
$67.6M
+12.7% YoY-3.1% QoQ
|
$-76.6M |
$144.1M
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
15% |
| Deposits |
$126.8M
+8.7% YoY+3.7% QoQ
|
$-74.3M |
$201.1M
+0.4% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
29% |
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 |
1.7%
-4.6% YoY-10.0% QoQ
|
+1.0% |
0.7%
+5.1% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Top 7.5% in tier |
| NIM |
3.6%
-1.8% YoY-1.8% QoQ
|
+0.0% |
3.6%
+4.6% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
49% |
| Efficiency Ratio |
66.5%
+2.2% YoY+5.7% QoQ
|
-11.5% |
78.0%
-1.7% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
18% |
| Delinquency Rate |
0.4%
+10.6% YoY-17.1% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
27% |
| Loan To Share |
53.3%
+3.6% YoY-6.5% QoQ
|
-17.2% |
70.4%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
15% |
| AMR |
$16,103
+7.4% YoY+1.3% QoQ
|
$-9K |
$24,918
+2.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 13.0% in tier |
| CD Concentration |
18.5%
+18.7% YoY+3.6% QoQ
|
-5.7% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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 (<15%). Healthy, sustainable growth model.
Concerns (3)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)