BlastPoint's Credit Union Scorecard
NORTHEAST ALABAMA POSTAL
Charter #11056 · AL
NORTHEAST ALABAMA POSTAL has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.02% below tier average
- - Efficiency ratio 13.79% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 0.9% in tier
- - First Mortgage Concentration (%): Bottom 6.9% in tier
- - Deposit Growth Rate: 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 |
1,237
+0.7% YoY-0.8% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$13.1M
-5.6% YoY-1.8% QoQ
|
$-17.0M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$9.6M
-3.5% YoY-0.7% QoQ
|
$-6.1M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$10.9M
-8.7% YoY-2.6% QoQ
|
$-14.8M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
0.6%
-125.4% YoY-509.6% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
3.7%
+86.6% YoY+14.1% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
96.3%
-56.6% YoY-7.6% QoQ
|
+13.8% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
85% |
| Delinquency Rate |
1.1%
-4.7% YoY-19.2% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
88.2%
+5.8% YoY+1.9% QoQ
|
+27.6% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Top 12.1% in tier |
| AMR |
$16,611
-7.0% YoY-0.9% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
65% |
| CD Concentration |
63.0%
+5.7% YoY+8.2% QoQ
|
+38.6% | 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)