BlastPoint's Credit Union Scorecard

NAHEOLA

Charter #62661 · AL

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

NAHEOLA has 7 strengths but faces 3 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 10.1% in tier
+ Emerging Performer: Top 22.7% in tier
+ Organic Growth Leader: Top 36.5% in tier
+ ROA 0.84% above tier average
+ Net Interest Margin 0.12% above tier average
+ Efficiency Ratio: Top 4.9% in tier
+ Net Worth Ratio: Top 6.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 82.8% in tier
- Delinquency rate 0.17% above tier average
- Share Certificate Concentration (%): Bottom 0.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	12,741 +3.4% YoY+0.8% QoQ	-2.7K	15,437 -2.9% YoY	27,849 -7.3% YoY	33,374 +5.7% YoY	46%
Assets	$213.6M +8.4% YoY-0.5% QoQ	$-18.3M	$231.9M +1.3% YoY	$442.6M +8.5% YoY	$561.6M +9.7% YoY	54%
Loans	$157.3M +4.9% YoY+1.3% QoQ	+$9.9M	$147.3M -0.1% YoY	$260.4M +7.2% YoY	$397.0M +8.8% YoY	63%
Deposits	$174.9M +8.0% YoY-1.1% QoQ	$-25.9M	$200.8M +0.8% YoY	$387.0M +6.9% YoY	$477.3M +9.7% YoY	51%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	1.6% +39.0% YoY-4.6% QoQ	+0.8%	0.8% +18.2% YoY	0.7% +32.7% YoY	0.7% +15.9% YoY	Top 8.4% in tier
NIM	3.7% +8.2% YoY+1.2% QoQ	+0.1%	3.6% +6.7% YoY	3.7% +4.6% YoY	3.8% +5.1% YoY	57%
Efficiency Ratio	57.4% -14.7% YoY+3.9% QoQ	-19.6%	77.0% -3.1% YoY	78.3% -5.6% YoY	79.7% -3.3% YoY	Bottom 4.9% in tier
Delinquency Rate	1.1% -16.8% YoY+8.2% QoQ	+0.2	0.9% +4.2% YoY	1.7% +25.2% YoY	1.3% -2.1% YoY	73%
Loan To Share	89.9% -2.9% YoY+2.4% QoQ	+17.7%	72.2% -1.1% YoY	60.7% -1.8% YoY	67.4% -1.7% YoY	Top 14.2% in tier
AMR	$26,072 +3.0% YoY-0.8% QoQ	+$1K	$24,676 +3.4% YoY	$17,441 +4.4% YoY	$19,687 +2.0% YoY	67%
CD Concentration	52.7% +9.1% YoY+5.7% QoQ	+28.3%	24.4%	21.2%	19.8%	50%
Indirect Auto %	0.4% -48.7% YoY-19.5% QoQ	-13.4%	13.8%	5.2%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#61 of 595 • Top 10.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.37%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.60%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.41%

(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

Emerging Performer

growth

#42 of 182 • Top 22.7% 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: 1.60%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 3.37%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Organic Growth Leader

growth

#156 of 426 • Top 36.5% in tier

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

Why This Signature

Member Growth (YoY): 3.37%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.41%

(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)

Liquidity Overhang

risk

#112 of 135 • Bottom 82.8% in tier

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

Why This Signature

Net Worth Ratio: 17.66%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 89.90%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 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 (10 metrics)

Efficiency Ratio

profitability

Value: 57.45%

Peer Median: -

#53 of 1069 Top 4.9% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.66%

Peer Median: -

#66 of 1069 Top 6.1% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.60%

Peer Median: -

#90 of 1069 Top 8.3% in 100M-500M tier

152

Loan-to-Share Ratio

balance_sheet

Value: 89.90%

Peer Median: -

#152 of 1069 Top 14.1% in 100M-500M tier

190

Member Growth Rate

growth

Value: 3.37%

Peer Median: -

#190 of 1069 Top 17.7% in 100M-500M tier

221

Asset Growth Rate

growth

Value: 8.41%

Peer Median: -

#221 of 1069 Top 20.6% in 100M-500M tier

221

Deposit Growth Rate

growth

Value: 7.96%

Peer Median: -

#221 of 1069 Top 20.6% in 100M-500M tier

222

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: -

#222 of 1069 Top 20.7% in 100M-500M tier

233

Loan-to-Member Ratio (LMR)

engagement

Value: $12,342

Peer Median: -

#233 of 1069 Top 21.7% in 100M-500M tier

239

Members Per Employee (MPE)

engagement

Value: 386.091

Peer Median: -

#239 of 1069 Top 22.3% in 100M-500M tier

Top Weaknesses (2 metrics)

1061

Share Certificate Concentration (%)

balance_sheet

Value: 52.71%

Peer Median: -

#1061 of 1069 Bottom 0.8% in 100M-500M tier

819

First Mortgage Concentration (%)

balance_sheet

Value: 42.86%

Peer Median: -

#819 of 1069 Bottom 23.5% in 100M-500M tier