BlastPoint's Credit Union Scorecard

NEW HORIZONS

Charter #60799 · AL

1077 CUs in 100M-500M nationally 20 in AL

NEW HORIZONS demonstrates 9 strengths

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 3.9% in tier
+ Organic Growth Leader: Top 11.2% in tier
+ Credit Quality Leader: Top 29.5% in tier
+ Profitability Leader: Top 47.5% in tier
+ Wallet Share Momentum: Top 54.4% in tier
+ ROA 0.69% above tier average
+ Fee Income Per Member: Top 6.6% in tier
+ Deposit Growth Rate: Top 8.3% in tier
+ Total Delinquency Rate (60+ days): Top 8.3% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	23,112 +3.3% YoY+1.1% QoQ	+7.5K	15,628 -3.4% YoY	29,240 -2.8% YoY	33,089 +6.1% YoY	84%
Assets	$275.5M +2.6% YoY+0.8% QoQ	+$44.2M	$231.3M -0.0% YoY	$436.7M +7.4% YoY	$547.7M +7.8% YoY	69%
Loans	$197.6M +9.9% YoY+3.0% QoQ	+$49.8M	$147.8M -1.4% YoY	$258.0M +6.8% YoY	$388.7M +8.6% YoY	75%
Deposits	$243.6M +11.5% YoY+1.4% QoQ	+$43.3M	$200.3M -0.0% YoY	$382.5M +6.8% YoY	$464.6M +9.3% YoY	70%

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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	1.5% +289.6% YoY+176.9% QoQ	+0.7%	0.8% +15.5% YoY	0.8% +31.6% YoY	0.7% +273.4% YoY	Top 13.0% in tier
NIM	3.5% +22.3% YoY+1.1% QoQ	-0.1%	3.6% +6.9% YoY	3.7% +6.4% YoY	3.7% +5.0% YoY	41%
Efficiency Ratio	71.8% -18.9% YoY-15.8% QoQ	-5.5%	77.3% -3.0% YoY	76.4% -6.2% YoY	79.1% -3.3% YoY	30%
Delinquency Rate	0.2% -7.1% YoY-17.7% QoQ	-0.7	0.9% +7.6% YoY	1.7% +18.9% YoY	1.2% -0.9% YoY	Bottom 8.3% in tier
Loan To Share	81.1% -1.4% YoY+1.6% QoQ	+8.4%	72.7% -1.5% YoY	60.8% -1.6% YoY	68.0% -1.7% YoY	67%
AMR	$19,087 +7.2% YoY+0.9% QoQ	$-5K	$24,363 +2.9% YoY	$17,062 +2.3% YoY	$19,418 +1.3% YoY	29%
CD Concentration	20.5% +73.0% YoY+6.4% QoQ	-3.9%	24.4% +4.2% YoY	20.8% +2.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.1%	-13.9%	14.0% -5.7% YoY	5.4% -6.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#73 of 603 • Top 3.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.32%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.48%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.11%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth

#148 of 430 • Top 11.2% in tier

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

Why This Signature

Member Growth (YoY): 3.32%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.11%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Credit Quality Leader

growth

#101 of 340 • Top 29.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.16%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.01% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Profitability Leader

growth

#162 of 340 • Top 47.5% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.48%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 1.10% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Wallet Share Momentum

growth

#262 of 481 • Top 54.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.21%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (9 metrics)

Fee Income Per Member

profitability

Value: $288.99

Peer Avg: -

#72 of 1077 Top 6.6% in 100M-500M tier

Deposit Growth Rate

growth

Value: 11.45%

Peer Avg: -

#90 of 1077 Top 8.3% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.16%

Peer Avg: -

#90 of 1077 Top 8.3% in 100M-500M tier

140

Return on Assets (ROA)

profitability

Value: 1.48%

Peer Avg: -

#140 of 1077 Top 12.9% in 100M-500M tier

165

Loan Growth Rate

growth

Value: 9.94%

Peer Avg: -

#165 of 1077 Top 15.2% in 100M-500M tier

178

Total Members

engagement

Value: 23,112

Peer Avg: -

#178 of 1077 Top 16.4% in 100M-500M tier

181

Member Growth Rate

growth

Value: 3.32%

Peer Avg: -

#181 of 1077 Top 16.7% in 100M-500M tier

205

AMR Growth Rate

growth

Value: 7.21%

Peer Avg: -

#205 of 1077 Top 18.9% in 100M-500M tier

270

Total Loans

balance_sheet

Value: $197.55M

Peer Avg: -

#270 of 1077 Top 25.0% in 100M-500M tier

Top Weaknesses (0 metrics)

No weakness rankings available