BlastPoint's Credit Union Scorecard

NAHEOLA

Charter #62661 · AL

100M-500M

1024 CUs in 100M-500M nationally 21 in AL

NAHEOLA has 7 strengths but faces 6 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
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.80% above tier average
+ Net Interest Margin 0.22% above tier average
+ Net Worth Ratio: Top 5.8% in tier
+ Efficiency Ratio: Top 6.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Delinquency rate 1.09% above tier average
- Share Certificate Concentration (%): Bottom 1.1% in tier
- Total Delinquency Rate (60+ days): Bottom 7.3% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Alabama.
Shares and deposits +5.1% year over year ($179M in shares and deposits).
Membership: 12,933 members, +3.2% vs a year ago.
Delinquency rate 1.97%.
Return on assets 1.66%.
Efficiency ratio 57.75% vs a 76.73% peer average.
Loan-to-share ratio 87.64% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	12,933 +3.2% YoY+0.7% QoQ	-2.2K	15,168 -2.6% YoY	28,281 -1.7% YoY	34,678 +6.6% YoY	49%
Assets	$219.6M +5.9% YoY+0.4% QoQ	$-12.4M	$232.0M +0.7% YoY	$459.0M +7.0% YoY	$593.1M +10.2% YoY	56%
Loans	$156.6M +1.8% YoY-0.5% QoQ	+$10.3M	$146.3M +0.2% YoY	$266.3M +5.7% YoY	$418.6M +10.1% YoY	63%
Deposits	$178.7M +5.1% YoY-0.3% QoQ	$-22.0M	$200.7M +0.2% YoY	$400.1M +6.1% YoY	$504.8M +10.3% YoY	52%

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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	1.7% -5.3% YoY+12.0% QoQ	+0.8%	0.9% +12.5% YoY	1.1% +39.6% YoY	1.2% +121.4% YoY	Top 8.7% in tier
NIM	3.9% +6.8% YoY+2.5% QoQ	+0.2%	3.7% +4.5% YoY	3.7% +1.1% YoY	3.8% +2.3% YoY	65%
Efficiency Ratio	57.8% +8.2% YoY-4.3% QoQ	-19.0%	76.7% -0.8% YoY	82.1% +5.7% YoY	83.0% -5.3% YoY	Top 6.6% in tier
Delinquency Rate	2.0% +62.5% YoY+20.1% QoQ	+1.1	0.9% +6.6% YoY	1.4% -5.8% YoY	1.3% +2.6% YoY	Bottom 7.3% in tier
Loan To Share	87.6% -3.1% YoY-0.2% QoQ	+16.1%	71.5% -0.3% YoY	59.3% -1.7% YoY	66.4% -1.4% YoY	82%
AMR	$25,925 +0.3% YoY-1.0% QoQ	+$819	$25,107 +3.2% YoY	$17,701 +4.0% YoY	$20,028 -0.9% YoY	65%
CD Concentration	51.0% -1.4% YoY-3.5% QoQ	+26.4%	24.6%	21.8%	20.0%	50%
Indirect Auto %	0.3% -44.8% YoY-9.3% QoQ	-13.3%	13.6%	5.2%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#44 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.24%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.66%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.35%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Emerging Performer

growth

#30 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.66%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 3.24%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY

Organic Growth Leader

growth

#135 of 342 • 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): 3.24%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.35%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Concerns (3)

Credit Quality Pressure

risk

#72 of 693 • 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): 0.76% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Credit Risk Growth

risk

#212 of 472 • 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): 1.82%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.76% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Liquidity Overhang

risk

#107 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.00%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 87.64%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 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 1024 peers in tier

Top Strengths (5 metrics)

Net Worth Ratio

risk

Value: 18.00%

Peer Median: 11.71%

#60 of 1024 Top 5.8% in 100M-500M tier

Efficiency Ratio

profitability

Value: 57.75%

Peer Median: 77.26%

#69 of 1024 Top 6.6% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.66%

Peer Median: 0.75%

#89 of 1024 Top 8.6% in 100M-500M tier

180

Member Growth Rate

growth

Value: 3.24%

Peer Median: -0.03%

#180 of 1024 Top 17.5% in 100M-500M tier

189

Loan-to-Share Ratio

balance_sheet

Value: 87.64%

Peer Median: 73.07%

#189 of 1024 Top 18.4% in 100M-500M tier

Top Weaknesses (3 metrics)

1014

Share Certificate Concentration (%)

balance_sheet

Value: 51.00%

Peer Median: 23.39%

#1014 of 1024 Bottom 1.1% in 100M-500M tier

950

Total Delinquency Rate (60+ days)

risk

Value: 1.97%

Peer Median: 0.71%

#950 of 1024 Bottom 7.3% in 100M-500M tier

795

AMR Growth Rate

growth

Value: 0.29%

Peer Median: 3.53%

#795 of 1024 Bottom 22.5% in 100M-500M tier