BlastPoint's Credit Union Scorecard
NORTHEAST ALABAMA POSTAL
Charter #11056 · AL
NORTHEAST ALABAMA POSTAL has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Deposit Growth Rate: Top 2.2% in tier
- + Asset Growth Rate: Top 2.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Efficiency ratio 5.93% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 0.9% in tier
- - First Mortgage Concentration (%): Bottom 6.2% 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 +17.7% year over year ($13.4M in shares and deposits).
- Membership: 1,245 members, -0.9% vs a year ago.
- Delinquency rate 1.06%.
- Return on assets 0.39%.
- Efficiency ratio 94.70% vs a 88.77% peer average.
- Loan-to-share ratio 67.75% 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 |
1,245
-0.9% YoY+0.9% QoQ
|
-1.3K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
34% |
| Assets |
$15.6M
+15.2% YoY+12.1% QoQ
|
$-14.7M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
42% |
| Loans |
$9.1M
-9.5% YoY-3.9% QoQ
|
$-6.4M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
48% |
| Deposits |
$13.4M
+17.7% YoY+14.7% QoQ
|
$-12.4M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
42% |
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| ROA |
0.4%
-179.9% YoY-39.8% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
2.9%
-3.3% YoY-9.9% QoQ
|
-1.0% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
15% |
| Efficiency Ratio |
94.7%
-17.4% YoY+1.1% QoQ
|
+5.9% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
1.1%
-27.8% YoY+53.5% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
63% |
| Loan To Share |
67.8%
-23.1% YoY-16.2% QoQ
|
+8.9% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
63% |
| AMR |
$18,012
+5.9% YoY+5.5% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
69% |
| CD Concentration |
64.1%
+11.4% YoY+1.2% QoQ
|
+39.5% | 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)