BlastPoint's Credit Union Scorecard

NORTH ALABAMA EDUCATORS

Charter #60500 · AL

100M-500M

1070 CUs in 100M-500M nationally 21 in AL

NORTH ALABAMA EDUCATORS has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.15% below tier average
- Efficiency ratio 4.67% above tier (higher cost structure)
- Net Worth Ratio: Bottom 3.1% in tier
- Loan-to-Share Ratio: Bottom 5.2% in tier
- Loan-to-Member Ratio (LMR): Bottom 6.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	10,854 +0.7% YoY-0.0% QoQ	-4.3K	15,145 -2.5% YoY	28,055 -6.4% YoY	33,913 +5.7% YoY	37%
Assets	$142.7M +3.9% YoY+2.4% QoQ	$-89.0M	$231.7M +0.8% YoY	$451.2M +7.2% YoY	$578.3M +9.0% YoY	27%
Loans	$54.8M +2.9% YoY+0.5% QoQ	$-89.3M	$144.1M +0.2% YoY	$260.3M +6.6% YoY	$402.4M +8.7% YoY	Bottom 8.5% in tier
Deposits	$132.1M +2.6% YoY+2.3% QoQ	$-69.0M	$201.1M +0.4% YoY	$395.2M +6.0% YoY	$494.3M +9.1% YoY	31%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +54.0% YoY+30.1% QoQ	-0.1%	0.7% +5.1% YoY	0.6% -14.6% YoY	0.4% -39.2% YoY	41%
NIM	2.8% +6.8% YoY+2.1% QoQ	-0.8%	3.6% +4.6% YoY	3.7% +0.6% YoY	3.8% +4.1% YoY	Bottom 9.3% in tier
Efficiency Ratio	82.7% -4.9% YoY-1.8% QoQ	+4.7%	78.0% -1.7% YoY	80.4% -0.1% YoY	84.6% +2.8% YoY	64%
Delinquency Rate	0.6% +103.3% YoY+26.6% QoQ	-0.2	0.8% +7.1% YoY	1.6% +17.5% YoY	1.2% +3.4% YoY	48%
Loan To Share	41.5% +0.3% YoY-1.8% QoQ	-28.9%	70.4% -0.4% YoY	59.2% -1.1% YoY	65.6% -1.4% YoY	Bottom 5.1% in tier
AMR	$17,225 +2.0% YoY+1.8% QoQ	$-8K	$24,918 +2.7% YoY	$17,504 +3.5% YoY	$19,920 +1.6% YoY	18%
CD Concentration	14.6% +15.0% YoY+1.4% QoQ	-9.7%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#313 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.66%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.58%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#352 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.66%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#235 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.30% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#281 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.70%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.20% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 0.66%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Risk Growth

risk

#263 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.89%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.30% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

216

First Mortgage Concentration (%)

balance_sheet

Value: 14.82%

Peer Median: 29.47%

#216 of 1070 Top 20.1% in 100M-500M tier

223

Share Certificate Concentration (%)

balance_sheet

Value: 14.58%

Peer Median: 23.10%

#223 of 1070 Top 20.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1038

Net Worth Ratio

risk

Value: 7.94%

Peer Median: 11.45%

#1038 of 1070 Bottom 3.1% in 100M-500M tier

1015

Loan-to-Share Ratio

balance_sheet

Value: 41.49%

Peer Median: 71.88%

#1015 of 1070 Bottom 5.2% in 100M-500M tier

1003

Loan-to-Member Ratio (LMR)

engagement

Value: $5,051

Peer Median: $9,356

#1003 of 1070 Bottom 6.4% in 100M-500M tier

979

Total Loans

balance_sheet

Value: $54.82M

Peer Median: $121.41M

#979 of 1070 Bottom 8.6% in 100M-500M tier

970

Net Interest Margin (NIM)

profitability

Value: 2.82%

Peer Median: 3.62%

#970 of 1070 Bottom 9.4% in 100M-500M tier

881

Average Member Relationship (AMR)

engagement

Value: $17,225

Peer Median: $22,931

#881 of 1070 Bottom 17.8% in 100M-500M tier