NRS COMMUNITY DEVELOPMENT
Charter #24583 | AL
<100M
(2596 CUs)
Micro
($0-$500M)
54 <100M in AL
NRS COMMUNITY DEVELOPMENT has 5 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.30% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.5% in tier
- + Members Per Employee (MPE): Top 3.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Efficiency ratio 7.91% above tier (higher cost structure)
- - Delinquency rate 34.07% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.7% in tier
- - Average Member Relationship (AMR): Bottom 3.5% in tier
- - Loan Growth Rate: Bottom 3.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.4% in tier
- - Total Assets: Bottom 7.5% in tier
- - Total Deposits: Bottom 8.1% in tier
- - Total Loans: Bottom 8.8% in tier
- - AMR Growth Rate: 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 |
775
+1.7% YoY-0.4% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
Bottom 22.1% in tier |
| Assets |
$1.4M
+4.6% YoY-6.8% QoQ
|
$-28.5M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.4% in tier |
| Loans |
$638,177
-25.7% YoY-12.0% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.7% in tier |
| Deposits |
$1.2M
+7.6% YoY-7.2% QoQ
|
$-24.3M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.0% in tier |
| ROA |
0.6%
-466.9% YoY-682.8% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
41st in tier |
| NIM |
4.2%
-12.0% YoY+6.2% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
64th in tier |
| Efficiency Ratio |
89.3%
+19.8% YoY-12.4% QoQ
|
+7.9% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 24.7% in tier |
| Delinquency Rate |
35.6%
+111.0% YoY+32.9% QoQ
|
+34.1 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Top 0.7% in tier |
| Loan To Share |
53.9%
-30.9% YoY-5.1% QoQ
|
-7.3% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
38th in tier |
| AMR |
$2,351
-8.6% YoY-8.6% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.5% in tier |
| CD Concentration |
15.5%
-43.6% YoY-32.4% QoQ
|
-8.9% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
15
Net Charge-Off Rate
risk
Value:
-0.79%
Peer Avg: 0.57%
#15 of 2596
Top 0.5% in <100M tier
85
Members Per Employee (MPE)
engagement
Value:
775.000
Peer Avg: 365.701
#85 of 2596
Top 3.2% in <100M tier
382
Deposit Growth Rate
growth
Value:
7.56%
Peer Avg: 16.80%
#382 of 2596
Top 14.7% in <100M tier
487
Member Growth Rate
growth
Value:
1.71%
Peer Avg: 14.92%
#487 of 2596
Top 18.7% in <100M tier
Top Weaknesses (10 metrics)
2579
Total Delinquency Rate (60+ days)
risk
Value:
35.58%
Peer Avg: 1.51%
#2579 of 2596
Bottom 0.7% in <100M tier
2506
Average Member Relationship (AMR)
engagement
Value:
$2,351
Peer Avg: $14,627
#2506 of 2596
Bottom 3.5% in <100M tier
2497
Loan Growth Rate
growth
Value:
-25.71%
Peer Avg: 59.01%
#2497 of 2596
Bottom 3.9% in <100M tier
2458
Loan-to-Member Ratio (LMR)
engagement
Value:
$823.45
Peer Avg: $5,488
#2458 of 2596
Bottom 5.4% in <100M tier
2403
Total Assets
balance_sheet
Value:
$1.38M
Peer Avg: $29.86M
#2403 of 2596
Bottom 7.5% in <100M tier
2388
Total Deposits
balance_sheet
Value:
$1.18M
Peer Avg: $25.45M
#2388 of 2596
Bottom 8.1% in <100M tier
2369
Total Loans
balance_sheet
Value:
$638,177
Peer Avg: $15.77M
#2369 of 2596
Bottom 8.8% in <100M tier
2347
AMR Growth Rate
growth
Value:
-8.58%
Peer Avg: 4.67%
#2347 of 2596
Bottom 9.6% in <100M tier
2023
Total Members
engagement
Value:
775
Peer Avg: 2,626
#2023 of 2596
Bottom 22.1% in <100M tier
1956
Efficiency Ratio
profitability
Value:
89.31%
Peer Avg: 81.39%
#1956 of 2596
Bottom 24.7% in <100M tier