BlastPoint's Credit Union Scorecard

NORTH ALABAMA EDUCATORS

Charter #60500 · AL

100M-500M

1069 CUs in 100M-500M nationally 19 in AL

NORTH ALABAMA EDUCATORS has 2 strengths but faces 7 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

- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.32% below tier average
- Efficiency ratio 7.20% above tier (higher cost structure)
- Net Worth Ratio: Bottom 3.3% in tier
- Loan-to-Share Ratio: Bottom 5.1% in tier
- Loan-to-Member Ratio (LMR): Bottom 5.9% in tier
- Total Loans: Bottom 7.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	10,859 +0.8% YoY+0.1% QoQ	-4.6K	15,437 -2.9% YoY	27,849 -7.3% YoY	33,374 +5.7% YoY	36%
Assets	$139.3M +5.0% YoY+1.2% QoQ	$-92.6M	$231.9M +1.3% YoY	$442.6M +8.5% YoY	$561.6M +9.7% YoY	25%
Loans	$54.6M +1.7% YoY-0.1% QoQ	$-92.8M	$147.3M -0.1% YoY	$260.4M +7.2% YoY	$397.0M +8.8% YoY	Bottom 7.2% in tier
Deposits	$129.1M +3.1% YoY+1.1% QoQ	$-71.7M	$200.8M +0.8% YoY	$387.0M +6.9% YoY	$477.3M +9.7% YoY	30%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +186.6% YoY+15.1% QoQ	-0.3%	0.8% +18.2% YoY	0.7% +32.7% YoY	0.7% +15.9% YoY	27%
NIM	2.8% +16.8% YoY+1.0% QoQ	-0.8%	3.6% +6.7% YoY	3.7% +4.6% YoY	3.8% +5.1% YoY	Bottom 10.6% in tier
Efficiency Ratio	84.2% -9.3% YoY-1.2% QoQ	+7.2%	77.0% -3.1% YoY	78.3% -5.6% YoY	79.7% -3.3% YoY	76%
Delinquency Rate	0.5% -22.3% YoY-12.7% QoQ	-0.4	0.9% +4.2% YoY	1.7% +25.2% YoY	1.3% -2.1% YoY	29%
Loan To Share	42.2% -1.3% YoY-1.2% QoQ	-30.0%	72.2% -1.1% YoY	60.7% -1.8% YoY	67.4% -1.7% YoY	Bottom 5.1% in tier
AMR	$16,916 +1.8% YoY+0.7% QoQ	$-8K	$24,676 +3.4% YoY	$17,441 +4.4% YoY	$19,687 +2.0% YoY	17%
CD Concentration	14.4% +18.2% YoY+0.5% QoQ	-10.1%	24.4%	21.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.2%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#535 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.84%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.45%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#384 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.84%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#251 of 538 • 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: 84.22%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.29% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 0.84%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

220

Share Certificate Concentration (%)

balance_sheet

Value: 14.37%

Peer Median: -

#220 of 1069 Top 20.5% in 100M-500M tier

223

First Mortgage Concentration (%)

balance_sheet

Value: 15.16%

Peer Median: -

#223 of 1069 Top 20.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1035

Net Worth Ratio

risk

Value: 7.89%

Peer Median: -

#1035 of 1069 Bottom 3.3% in 100M-500M tier

1015

Loan-to-Share Ratio

balance_sheet

Value: 42.24%

Peer Median: -

#1015 of 1069 Bottom 5.1% in 100M-500M tier

1007

Loan-to-Member Ratio (LMR)

engagement

Value: $5,024

Peer Median: -

#1007 of 1069 Bottom 5.9% in 100M-500M tier

992

Total Loans

balance_sheet

Value: $54.55M

Peer Median: -

#992 of 1069 Bottom 7.3% in 100M-500M tier

956

Net Interest Margin (NIM)

profitability

Value: 2.76%

Peer Median: -

#956 of 1069 Bottom 10.7% in 100M-500M tier

891

Average Member Relationship (AMR)

engagement

Value: $16,916

Peer Median: -

#891 of 1069 Bottom 16.7% in 100M-500M tier

870

Fee Income Per Member

profitability

Value: $108.55

Peer Median: -

#870 of 1069 Bottom 18.7% in 100M-500M tier

809

Efficiency Ratio

profitability

Value: 84.22%

Peer Median: -

#809 of 1069 Bottom 24.4% in 100M-500M tier