BlastPoint's Credit Union Scorecard
NRS COMMUNITY DEVELOPMENT
Charter #24583 · AL
2556 CUs in <100M nationally
55 in AL
NRS COMMUNITY DEVELOPMENT has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.09% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.8% in tier
- + Members Per Employee (MPE): Top 3.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Efficiency ratio 13.21% above tier (higher cost structure)
- - Delinquency rate 41.90% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.6% in tier
- - Average Member Relationship (AMR): Bottom 3.2% in tier
- - Loan Growth Rate: Bottom 3.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.9% in tier
- - Total Assets: Bottom 7.3% in tier
- - Total Deposits: Bottom 7.9% in tier
- - Total Loans: Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
778
-0.4% YoY+0.4% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$1.4M
+6.1% YoY+1.9% QoQ
|
$-28.7M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.2% in tier |
| Loans |
$605,880
-26.0% YoY-5.1% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.4% in tier |
| Deposits |
$1.2M
+8.3% YoY+2.5% QoQ
|
$-24.5M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.9% in tier |
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| ROA |
0.2%
-120.0% YoY-62.0% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
4.0%
-16.6% YoY-4.3% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
95.8%
+26.2% YoY+7.2% QoQ
|
+13.2% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
43.5%
+129.3% YoY+22.2% QoQ
|
+41.9 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
Top 0.6% in tier |
| Loan To Share |
49.9%
-31.6% YoY-7.4% QoQ
|
-10.7% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$2,339
-5.8% YoY-0.5% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.2% in tier |
| CD Concentration |
15.0%
-43.9% YoY-3.2% QoQ
|
-9.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
22
Net Charge-Off Rate
risk
Value:
-0.74%
Peer Median: -
#22 of 2556
Top 0.8% in <100M tier
86
Members Per Employee (MPE)
engagement
Value:
778.000
Peer Median: -
#86 of 2556
Top 3.3% in <100M tier
339
Deposit Growth Rate
growth
Value:
8.25%
Peer Median: -
#339 of 2556
Top 13.2% in <100M tier
540
Asset Growth Rate
growth
Value:
6.12%
Peer Median: -
#540 of 2556
Top 21.1% in <100M tier
Top Weaknesses (10 metrics)
2541
Total Delinquency Rate (60+ days)
risk
Value:
43.46%
Peer Median: -
#2541 of 2556
Bottom 0.6% in <100M tier
2475
Average Member Relationship (AMR)
engagement
Value:
$2,339
Peer Median: -
#2475 of 2556
Bottom 3.2% in <100M tier
2474
Loan Growth Rate
growth
Value:
-25.99%
Peer Median: -
#2474 of 2556
Bottom 3.2% in <100M tier
2431
Loan-to-Member Ratio (LMR)
engagement
Value:
$778.77
Peer Median: -
#2431 of 2556
Bottom 4.9% in <100M tier
2371
Total Assets
balance_sheet
Value:
$1.40M
Peer Median: -
#2371 of 2556
Bottom 7.3% in <100M tier
2354
Total Deposits
balance_sheet
Value:
$1.21M
Peer Median: -
#2354 of 2556
Bottom 7.9% in <100M tier
2342
Total Loans
balance_sheet
Value:
$605,880
Peer Median: -
#2342 of 2556
Bottom 8.4% in <100M tier
2218
AMR Growth Rate
growth
Value:
-5.84%
Peer Median: -
#2218 of 2556
Bottom 13.3% in <100M tier
2149
Efficiency Ratio
profitability
Value:
95.77%
Peer Median: -
#2149 of 2556
Bottom 16.0% in <100M tier
1994
Total Members
engagement
Value:
778
Peer Median: -
#1994 of 2556
Bottom 22.0% in <100M tier