BlastPoint's Credit Union Scorecard
NAHEOLA
Charter #62661 · AL
NAHEOLA has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 3.3% in tier
- + Organic Growth Leader: Top 12.8% in tier
- + Emerging Performer: Top 18.4% in tier
- + Profitability Leader: Top 26.5% in tier
- + ROA 0.89% above tier average
- + Net Interest Margin 0.10% above tier average
- + Efficiency Ratio: Top 4.7% in tier
- + Net Worth Ratio: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 79.7% in tier
- - Delinquency rate 0.13% above tier average
- - Share Certificate Concentration (%): Bottom 1.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,635
+3.1% YoY+0.9% QoQ
|
-3.0K |
15,628
-3.4% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
45% |
| Assets |
$214.7M
+8.6% YoY+3.6% QoQ
|
$-16.6M |
$231.3M
-0.0% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
55% |
| Loans |
$155.3M
+4.2% YoY+1.0% QoQ
|
+$7.5M |
$147.8M
-1.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$176.9M
+8.6% YoY+4.0% QoQ
|
$-23.4M |
$200.3M
-0.0% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
52% |
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| ROA |
1.7%
+26.5% YoY-4.1% QoQ
|
+0.9% |
0.8%
+15.5% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Top 7.3% in tier |
| NIM |
3.7%
+8.6% YoY+0.8% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
55.3%
-12.2% YoY+3.6% QoQ
|
-22.0% |
77.3%
-3.0% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.7% in tier |
| Delinquency Rate |
1.0%
-18.9% YoY-18.6% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
87.8%
-4.0% YoY-2.9% QoQ
|
+15.1% |
72.7%
-1.5% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$26,290
+3.3% YoY+1.7% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
70% |
| CD Concentration |
49.8%
-0.6% YoY-3.6% QoQ
|
+25.4% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.5%
-40.4% YoY-19.2% QoQ
|
-13.5% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
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.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (1)
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)