BlastPoint's Credit Union Scorecard
NRS COMMUNITY DEVELOPMENT
Charter #24583 · AL
<100M
2508 CUs in <100M nationally
53 in AL
NRS COMMUNITY DEVELOPMENT has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 18.9% YoY
- + Members Per Employee (MPE): Top 1.6% in tier
- + Member Growth Rate: Top 1.7% in tier
- + Net Charge-Off Rate: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Efficiency ratio 11.62% above tier (higher cost structure)
- - Delinquency rate 40.68% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.6% in tier
- - AMR Growth Rate: Bottom 1.0% in tier
- - Average Member Relationship (AMR): Bottom 2.4% in tier
- - Loan Growth Rate: Bottom 3.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
923
+18.9% YoY+18.6% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
26% |
| Assets |
$1.3M
-7.3% YoY-6.1% QoQ
|
$-28.9M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.9% in tier |
| Loans |
$543,314
-29.1% YoY-10.3% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.2% in tier |
| Deposits |
$1.1M
-7.3% YoY-6.9% QoQ
|
$-24.7M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.5% in tier |
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| ROA |
-0.1%
-30.3% YoY-150.5% QoQ
|
-0.3% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
3.7%
-16.5% YoY-9.4% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
43% |
| Efficiency Ratio |
102.2%
-0.5% YoY+6.8% QoQ
|
+11.6% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.8% in tier |
| Delinquency Rate |
42.2%
+117.2% YoY-2.9% QoQ
|
+40.7 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 0.6% in tier |
| Loan To Share |
48.1%
-23.4% YoY-3.7% QoQ
|
-10.4% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$1,813
-29.1% YoY-22.5% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.3% in tier |
| CD Concentration |
15.7%
-34.3% YoY+4.7% QoQ
|
-8.6% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
40
Members Per Employee (MPE)
engagement
Value:
923.000
Peer Median: 333.750
#40 of 2508
Top 1.6% in <100M tier
43
Member Growth Rate
growth
Value:
18.94%
Peer Median: -1.37%
#43 of 2508
Top 1.7% in <100M tier
85
Net Charge-Off Rate
risk
Value:
-0.48%
Peer Median: 0.07%
#85 of 2508
Top 3.3% in <100M tier
Top Weaknesses (12 metrics)
2493
Total Delinquency Rate (60+ days)
risk
Value:
42.18%
Peer Median: 0.65%
#2493 of 2508
Bottom 0.6% in <100M tier
2485
AMR Growth Rate
growth
Value:
-29.14%
Peer Median: 1.27%
#2485 of 2508
Bottom 1.0% in <100M tier
2450
Average Member Relationship (AMR)
engagement
Value:
$1,813
Peer Median: $13,926
#2450 of 2508
Bottom 2.4% in <100M tier
2435
Loan Growth Rate
growth
Value:
-29.06%
Peer Median: -2.36%
#2435 of 2508
Bottom 3.0% in <100M tier
2401
Loan-to-Member Ratio (LMR)
engagement
Value:
$588.64
Peer Median: $4,923
#2401 of 2508
Bottom 4.3% in <100M tier
2335
Total Assets
balance_sheet
Value:
$1.32M
Peer Median: $21.86M
#2335 of 2508
Bottom 6.9% in <100M tier
2319
Total Deposits
balance_sheet
Value:
$1.13M
Peer Median: $18.77M
#2319 of 2508
Bottom 7.6% in <100M tier
2302
Total Loans
balance_sheet
Value:
$543,314
Peer Median: $9.48M
#2302 of 2508
Bottom 8.3% in <100M tier
2297
Asset Growth Rate
growth
Value:
-7.33%
Peer Median: 1.30%
#2297 of 2508
Bottom 8.5% in <100M tier
2224
Deposit Growth Rate
growth
Value:
-7.33%
Peer Median: 0.66%
#2224 of 2508
Bottom 11.4% in <100M tier