BlastPoint's Credit Union Scorecard
LISTERHILL
Charter #63057 · AL
LISTERHILL has 2 strengths but faces 8 concerns
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How does AL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 28.2% in tier
- + Net Interest Margin 0.10% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 12.5% in tier
- - Credit Quality Pressure: Bottom 16.3% in tier
- - Credit Risk Growth: Bottom 51.6% in tier
- - Membership Headwinds: Bottom 88.2% in tier
- - Stagnation Risk: Bottom 88.2% in tier
- - ROA 0.29% below tier average
- - Efficiency ratio 9.99% above tier (higher cost structure)
- - Member decline: -2.5% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
91,837
-2.5% YoY+0.4% QoQ
|
-4.2K |
96,048
-2.7% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
56% |
| Assets |
$1.5B
+1.6% YoY+1.9% QoQ
|
$-262.1M |
$1.7B
+0.4% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
43% |
| Loans |
$1.1B
+5.4% YoY+0.2% QoQ
|
$-144.6M |
$1.2B
+0.2% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
47% |
| Deposits |
$1.3B
+0.9% YoY+2.1% QoQ
|
$-163.6M |
$1.5B
+0.5% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
49% |
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| ROA |
0.4%
+375.7% YoY-19.0% QoQ
|
-0.3% |
0.7%
+27.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
3.5%
+23.4% YoY+2.2% QoQ
|
+0.1% |
3.4%
+6.2% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
55% |
| Efficiency Ratio |
84.6%
-7.7% YoY-0.9% QoQ
|
+10.0% |
74.6%
-3.0% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.7% in tier |
| Delinquency Rate |
0.7%
+49.5% YoY-18.1% QoQ
|
-0.1 |
0.8%
+6.9% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
57% |
| Loan To Share |
82.1%
+4.5% YoY-1.8% QoQ
|
-1.1% |
83.2%
-0.4% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
40% |
| AMR |
$25,819
+5.5% YoY+0.9% QoQ
|
$-4K |
$29,652
+2.3% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
35% |
| CD Concentration |
30.0%
-1.3% YoY-2.2% QoQ
|
+1.1% | 28.8% | 21.3% | 19.8% | 57% |
| Indirect Auto % |
7.5%
+0.4% YoY+0.8% QoQ
|
-10.5% | 18.1% | 5.1% | 7.7% | 32% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)