BlastPoint's Credit Union Scorecard

LISTERHILL

Charter #63057 · AL

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 10 in AL

View Mid-Market leaderboard →

LISTERHILL has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.10% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 30.3% in tier
- Credit Quality Pressure: Bottom 31.4% in tier
- Credit Risk Growth: Bottom 49.1% in tier
- Membership Headwinds: Bottom 51.2% in tier
- Stagnation Risk: Bottom 67.9% in tier
- ROA 0.16% below tier average
- Efficiency ratio 11.33% above tier (higher cost structure)
- Member decline: -2.4% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	91,501 -2.4% YoY-0.3% QoQ	-5.9K	97,431 -2.4% YoY	27,849 -7.3% YoY	33,374 +5.7% YoY	54%
Assets	$1.4B +1.1% YoY+1.7% QoQ	$-292.7M	$1.7B +0.9% YoY	$442.6M +8.5% YoY	$561.6M +9.7% YoY	40%
Loans	$1.1B +4.8% YoY-0.6% QoQ	$-167.5M	$1.2B +0.5% YoY	$260.4M +7.2% YoY	$397.0M +8.8% YoY	45%
Deposits	$1.3B +0.1% YoY+1.5% QoQ	$-184.0M	$1.5B +0.9% YoY	$387.0M +6.9% YoY	$477.3M +9.7% YoY	48%

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	0.5% +52.3% YoY+12.5% QoQ	-0.2%	0.7% +20.9% YoY	0.7% +32.7% YoY	0.7% +15.9% YoY	34%
NIM	3.4% +25.2% YoY+3.2% QoQ	+0.1%	3.3% +9.2% YoY	3.7% +4.6% YoY	3.8% +5.1% YoY	55%
Efficiency Ratio	85.4% -0.3% YoY-0.9% QoQ	+11.3%	74.1% -9.5% YoY	78.3% -5.6% YoY	79.7% -3.3% YoY	Top 8.3% in tier
Delinquency Rate	0.8% +37.0% YoY+25.2% QoQ	-0.1	0.9% +6.2% YoY	1.7% +25.2% YoY	1.3% -2.1% YoY	59%
Loan To Share	83.7% +4.7% YoY-2.0% QoQ	-1.1%	84.8% -0.8% YoY	60.7% -1.8% YoY	67.4% -1.7% YoY	39%
AMR	$25,598 +4.7% YoY+0.8% QoQ	$-4K	$29,428 +2.4% YoY	$17,441 +4.4% YoY	$19,687 +2.0% YoY	35%
CD Concentration	30.6% -4.1% YoY+1.5% QoQ	+1.6%	29.0%	21.2%	19.8%	57%
Indirect Auto %	7.5% +2.5% YoY+0.0% QoQ	-10.8%	18.3%	5.2%	7.8%	31%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#28 of 90 • Bottom 30.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.39%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.18% points

(Tier: 0.12% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -2.43%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 CUs YoY | Rank improving

Credit Quality Pressure

risk

#67 of 211 • Bottom 31.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.23% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank improving

Credit Risk Growth

risk

#81 of 164 • Bottom 49.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.82%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.23% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Membership Headwinds

decline

#44 of 85 • Bottom 51.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.43%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Stagnation Risk

risk

#58 of 85 • Bottom 67.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.43%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 4.82%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.84%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

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 302 peers in tier

Top Strengths (2 metrics)

Fee Income Per Member

profitability

Value: $261.13

Peer Median: -

#58 of 302 Top 18.9% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.26%

Peer Median: -

#58 of 302 Top 18.9% in 1B-3B tier

Top Weaknesses (4 metrics)

278

Efficiency Ratio

profitability

Value: 85.39%

Peer Median: -

#278 of 302 Bottom 8.3% in 1B-3B tier

261

Member Growth Rate

growth

Value: -2.43%

Peer Median: -

#261 of 302 Bottom 13.9% in 1B-3B tier

261

Deposit Growth Rate

growth

Value: 0.10%

Peer Median: -

#261 of 302 Bottom 13.9% in 1B-3B tier

247

Asset Growth Rate

growth

Value: 1.05%

Peer Median: -

#247 of 302 Bottom 18.5% in 1B-3B tier