BlastPoint's Credit Union Scorecard
NRS COMMUNITY DEVELOPMENT
Charter #24583 · AL
NRS COMMUNITY DEVELOPMENT has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 18.3% YoY
- + Members Per Employee (MPE): Top 1.5% in tier
- + Member Growth Rate: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Efficiency ratio 33.47% above tier (higher cost structure)
- - Delinquency rate 14.45% above tier average
- - Net Charge-Off Rate: Bottom 0.4% in tier
- - AMR Growth Rate: Bottom 0.6% in tier
- - Asset Growth Rate: Bottom 0.6% in tier
- - Loan Growth Rate: Bottom 1.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.2% 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 -20.2% year over year ($1.0M in shares and deposits).
- Membership: 920 members, +18.3% vs a year ago.
- Delinquency rate 15.99%.
- Return on assets 1.06%.
- Efficiency ratio 122.23% vs a 88.77% peer average.
- Loan-to-share ratio 39.51% 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 |
920
+18.3% YoY-0.3% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
27% |
| Assets |
$1.1M
-25.5% YoY-16.4% QoQ
|
$-29.2M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.8% in tier |
| Loans |
$402,315
-44.5% YoY-26.0% QoQ
|
$-15.1M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 6.4% in tier |
| Deposits |
$1.0M
-20.2% YoY-9.9% QoQ
|
$-24.8M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.8% in tier |
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| ROA |
1.1%
-1159.0% YoY-1046.7% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
63% |
| NIM |
2.7%
-33.5% YoY-27.7% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 9.0% in tier |
| Efficiency Ratio |
122.2%
+19.9% YoY+19.5% QoQ
|
+33.5% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.8% in tier |
| Delinquency Rate |
16.0%
-40.2% YoY-62.1% QoQ
|
+14.4 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.2% in tier |
| Loan To Share |
39.5%
-30.4% YoY-17.8% QoQ
|
-19.4% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
21% |
| AMR |
$1,544
-40.0% YoY-14.8% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 1.5% in tier |
| CD Concentration |
17.5%
-23.7% YoY+11.4% QoQ
|
-7.1% | 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)