BlastPoint's Credit Union Scorecard
NORTH ALABAMA PAPERMAKERS
Charter #22070 · AL
2596 CUs in <100M nationally
54 in AL
NORTH ALABAMA PAPERMAKERS has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.87% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 8.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.02% below tier average
- - Efficiency ratio 5.27% above tier (higher cost structure)
- - Delinquency rate 0.39% above tier average
- - Deposit Growth Rate: Bottom 7.8% in tier
- - Total Members: Bottom 8.8% in tier
- - AMR Growth Rate: Bottom 9.2% in tier
- - Total Deposits: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
327
+0.6% YoY+0.9% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
Bottom 8.7% in tier |
| Assets |
$2.1M
-6.4% YoY-3.1% QoQ
|
$-27.8M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.2% in tier |
| Loans |
$1.2M
-6.5% YoY+0.0% QoQ
|
$-14.6M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.6% in tier |
| Deposits |
$1.5M
-9.5% YoY-4.7% QoQ
|
$-24.0M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.5% in tier |
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| ROA |
0.7%
-52.9% YoY+33.6% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
45% |
| NIM |
4.8%
+2.3% YoY+2.1% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
82% |
| Efficiency Ratio |
86.7%
+22.2% YoY-3.5% QoQ
|
+5.3% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
70% |
| Delinquency Rate |
1.9%
+516.7% YoY+8.8% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
77.8%
+3.4% YoY+4.9% QoQ
|
+16.6% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
74% |
| AMR |
$8,152
-8.8% YoY-3.6% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
227
Net Worth Ratio
risk
Value:
26.65%
Peer Avg: -
#227 of 2596
Top 8.7% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
472
Net Interest Margin (NIM)
profitability
Value:
4.80%
Peer Avg: -
#472 of 2596
Top 18.1% in <100M tier
Top Weaknesses (10 metrics)
2395
Deposit Growth Rate
growth
Value:
-9.54%
Peer Avg: -
#2395 of 2596
Bottom 7.8% in <100M tier
2369
Total Members
engagement
Value:
327
Peer Avg: -
#2369 of 2596
Bottom 8.8% in <100M tier
2357
AMR Growth Rate
growth
Value:
-8.78%
Peer Avg: -
#2357 of 2596
Bottom 9.2% in <100M tier
2349
Total Deposits
balance_sheet
Value:
$1.50M
Peer Avg: -
#2349 of 2596
Bottom 9.6% in <100M tier
2330
Total Assets
balance_sheet
Value:
$2.08M
Peer Avg: -
#2330 of 2596
Bottom 10.3% in <100M tier
2321
Asset Growth Rate
growth
Value:
-6.40%
Peer Avg: -
#2321 of 2596
Bottom 10.6% in <100M tier
2270
Total Loans
balance_sheet
Value:
$1.17M
Peer Avg: -
#2270 of 2596
Bottom 12.6% in <100M tier
2072
Average Member Relationship (AMR)
engagement
Value:
$8,152
Peer Avg: -
#2072 of 2596
Bottom 20.2% in <100M tier
2057
Fee Income Per Member
profitability
Value:
$12.35
Peer Avg: -
#2057 of 2596
Bottom 20.8% in <100M tier
2034
Total Delinquency Rate (60+ days)
risk
Value:
1.89%
Peer Avg: -
#2034 of 2596
Bottom 21.7% in <100M tier