BlastPoint's Credit Union Scorecard
NEW HORIZONS
Charter #60799 · AL
NEW HORIZONS demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 9.8% in tier
- + Organic Growth Leader: Top 24.2% in tier
- + Wallet Share Momentum: Top 50.2% in tier
- + ROA 0.47% above tier average
- + Deposit Growth Rate: Top 7.9% in tier
- + Loan Growth Rate: Top 9.2% in tier
- + Total Delinquency Rate (60+ days): Top 9.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,292
+4.4% YoY+0.8% QoQ
|
+7.9K |
15,437
-2.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$279.7M
+5.9% YoY+1.5% QoQ
|
+$47.9M |
$231.9M
+1.3% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$205.7M
+13.4% YoY+4.1% QoQ
|
+$58.3M |
$147.3M
-0.1% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$247.0M
+11.8% YoY+1.4% QoQ
|
+$46.2M |
$200.8M
+0.8% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
70% |
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| ROA |
1.2%
+189.3% YoY-17.0% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
81% |
| NIM |
3.5%
+19.0% YoY+1.2% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
75.1%
-14.8% YoY+4.7% QoQ
|
-1.9% |
77.0%
-3.1% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
0.2%
-26.5% YoY+19.8% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 9.5% in tier |
| Loan To Share |
83.3%
+1.5% YoY+2.7% QoQ
|
+11.1% |
72.2%
-1.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$19,434
+7.8% YoY+1.8% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
21.4%
+59.2% YoY+4.8% QoQ
|
-3.0% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
0.3%
+136.6% QoQ
|
-13.5% | 13.8% | 5.2% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)