BlastPoint's Credit Union Scorecard
LISTERHILL
Charter #63057 · AL
LISTERHILL has 3 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does AL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 69.4% in tier
- + Organic Growth Leader: Top 69.4% in tier
- + Net Interest Margin 0.18% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 14.7% in tier
- - Credit Quality Pressure: Bottom 21.0% in tier
- - Credit Risk Growth: Bottom 58.6% in tier
- - ROA 0.06% below tier average
- - Efficiency ratio 8.75% above tier (higher cost structure)
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Alabama.
- Shares and deposits +2.3% year over year ($1.31B in shares and deposits).
- Membership: 91,900 members, +0.5% vs a year ago.
- Delinquency rate 0.62%.
- Return on assets 0.75%.
- Efficiency ratio 81.77% vs a 73.02% peer average.
- Loan-to-share ratio 83.27% vs a 84.71% 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 |
91,900
+0.5% YoY+0.1% QoQ
|
-5.0K |
96,861
-1.9% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
55% |
| Assets |
$1.5B
+3.1% YoY+1.1% QoQ
|
$-250.7M |
$1.7B
+0.4% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
45% |
| Loans |
$1.1B
+4.5% YoY+2.1% QoQ
|
$-142.8M |
$1.2B
+0.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$1.3B
+2.3% YoY+0.7% QoQ
|
$-152.6M |
$1.5B
+0.5% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
51% |
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| ROA |
0.8%
+95.4% YoY+76.0% QoQ
|
-0.1% |
0.8%
+27.6% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
3.6%
+15.6% YoY+4.4% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
81.8%
-5.6% YoY-3.4% QoQ
|
+8.7% |
73.0%
-2.7% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
0.6%
+48.4% YoY-9.9% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
43% |
| Loan To Share |
83.3%
+2.1% YoY+1.4% QoQ
|
-1.4% |
84.7%
+0.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
39% |
| AMR |
$26,140
+2.8% YoY+1.2% QoQ
|
$-3K |
$29,575
+1.5% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
38% |
| CD Concentration |
30.8%
+2.1% YoY+2.9% QoQ
|
+1.8% | 29.1% | 21.8% | 20.0% | 60% |
| Indirect Auto % |
7.6%
+1.4% YoY+0.1% QoQ
|
-10.5% | 18.1% | 5.2% | 7.7% | 32% |
Signature Analysis
Strengths (2)
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 (<15%). Healthy, sustainable growth model.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)