BlastPoint's Credit Union Scorecard

NAHEOLA

Charter #62661 · AL

100M-500M

1070 CUs in 100M-500M nationally 21 in AL

NAHEOLA has 7 strengths but faces 8 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 0.75% above tier average
+ Net Interest Margin 0.18% above tier average
+ Net Worth Ratio: Top 5.7% in tier
+ Efficiency Ratio: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- 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 0.87% above tier average
- Share Certificate Concentration (%): Bottom 0.8% in tier
- Total Delinquency Rate (60+ days): Bottom 8.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	12,848 +3.5% YoY+0.8% QoQ	-2.3K	15,145 -2.5% YoY	28,055 -6.4% YoY	33,913 +5.7% YoY	48%
Assets	$218.7M +8.1% YoY+2.4% QoQ	$-13.0M	$231.7M +0.8% YoY	$451.2M +7.2% YoY	$578.3M +9.0% YoY	56%
Loans	$157.4M +4.8% YoY+0.1% QoQ	+$13.2M	$144.1M +0.2% YoY	$260.3M +6.6% YoY	$402.4M +8.7% YoY	64%
Deposits	$179.2M +7.8% YoY+2.5% QoQ	$-21.9M	$201.1M +0.4% YoY	$395.2M +6.0% YoY	$494.3M +9.1% 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	1.5% -25.2% YoY-7.5% QoQ	+0.8%	0.7% +5.1% YoY	0.6% -14.6% YoY	0.4% -39.2% YoY	Top 11.8% in tier
NIM	3.8% +6.3% YoY+2.1% QoQ	+0.2%	3.6% +4.6% YoY	3.7% +0.6% YoY	3.8% +4.1% YoY	63%
Efficiency Ratio	60.3% +28.1% YoY+5.0% QoQ	-17.7%	78.0% -1.7% YoY	80.4% -0.1% YoY	84.6% +2.8% YoY	Top 8.8% in tier
Delinquency Rate	1.6% +19.2% YoY+53.7% QoQ	+0.9	0.8% +7.1% YoY	1.6% +17.5% YoY	1.2% +3.4% YoY	Bottom 8.7% in tier
Loan To Share	87.8% -2.8% YoY-2.3% QoQ	+17.4%	70.4% -0.4% YoY	59.2% -1.1% YoY	65.6% -1.4% YoY	Top 15.0% in tier
AMR	$26,197 +2.8% YoY+0.5% QoQ	+$1K	$24,918 +2.7% YoY	$17,504 +3.5% YoY	$19,920 +1.6% YoY	68%
CD Concentration	52.8% +6.4% YoY+0.3% QoQ	+28.6%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.4% -46.6% YoY-6.4% QoQ	-13.4%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#54 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.45%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.48%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.39%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#38 of 157 • 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: 1.48%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 3.45%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Organic Growth Leader

growth

#134 of 371 • 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): 3.45%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.39%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (5)

Margin Compression

decline

#9 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.48%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.98%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.50% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Cost Spiral

risk

#8 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 13.24% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 31.68%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Credit Quality Pressure

risk

#260 of 727 • 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): 0.26% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Credit Risk Growth

risk

#208 of 476 • 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): 4.79%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Liquidity Overhang

risk

#106 of 126 • 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: 17.61%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 87.79%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 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 1070 peers in tier

Top Strengths (9 metrics)

Net Worth Ratio

risk

Value: 17.61%

Peer Median: 11.45%

#62 of 1070 Top 5.7% in 100M-500M tier

Efficiency Ratio

profitability

Value: 60.34%

Peer Median: 78.68%

#95 of 1070 Top 8.8% in 100M-500M tier

126

Return on Assets (ROA)

profitability

Value: 1.48%

Peer Median: 0.69%

#126 of 1070 Top 11.7% in 100M-500M tier

160

Loan-to-Share Ratio

balance_sheet

Value: 87.79%

Peer Median: 71.88%

#160 of 1070 Top 14.9% in 100M-500M tier

183

Member Growth Rate

growth

Value: 3.45%

Peer Median: -0.06%

#183 of 1070 Top 17.0% in 100M-500M tier

185

Asset Growth Rate

growth

Value: 8.11%

Peer Median: 3.91%

#185 of 1070 Top 17.2% in 100M-500M tier

194

Deposit Growth Rate

growth

Value: 7.78%

Peer Median: 3.30%

#194 of 1070 Top 18.0% in 100M-500M tier

214

Members Per Employee (MPE)

engagement

Value: 401.500

Peer Median: 309.176

#214 of 1070 Top 19.9% in 100M-500M tier

243

Loan-to-Member Ratio (LMR)

engagement

Value: $12,247

Peer Median: $9,356

#243 of 1070 Top 22.6% in 100M-500M tier

Top Weaknesses (3 metrics)

1062

Share Certificate Concentration (%)

balance_sheet

Value: 52.84%

Peer Median: 23.10%

#1062 of 1070 Bottom 0.8% in 100M-500M tier

978

Total Delinquency Rate (60+ days)

risk

Value: 1.64%

Peer Median: 0.61%

#978 of 1070 Bottom 8.7% in 100M-500M tier

820

First Mortgage Concentration (%)

balance_sheet

Value: 42.64%

Peer Median: 29.47%

#820 of 1070 Bottom 23.5% in 100M-500M tier