BlastPoint's Credit Union Scorecard
NEIMAN MARCUS GROUP EMPLOYEES
Charter #6304 · TX
NEIMAN MARCUS GROUP EMPLOYEES has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.15% above tier average
- + Net Interest Margin 1.29% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.03% above tier (higher cost structure)
- - Member decline: -11.8% YoY
- - Asset Growth Rate: Bottom 3.2% in tier
- - Loan Growth Rate: Bottom 3.5% in tier
- - Deposit Growth Rate: Bottom 3.6% in tier
- - Member Growth Rate: Bottom 4.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,342
-11.8% YoY-9.8% QoQ
|
-273 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$9.4M
-11.7% YoY-2.6% QoQ
|
$-20.7M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$4.9M
-24.8% YoY-8.6% QoQ
|
$-10.9M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$7.9M
-13.5% YoY-3.1% QoQ
|
$-17.8M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
31% |
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| ROA |
0.8%
-169.3% YoY-9.1% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
5.2%
+14.4% YoY+2.5% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 9.7% in tier |
| Efficiency Ratio |
82.6%
-9.9% YoY+0.4% QoQ
|
+0.0% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.7%
+68.3% YoY+50.4% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
62.1%
-13.1% YoY-5.7% QoQ
|
+1.4% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$5,461
-7.3% YoY+5.0% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.4% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)