BlastPoint's Credit Union Scorecard
NUCOR EMPLOYEES
Charter #15752 · AL
NUCOR EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.16% below tier average
- - Efficiency ratio 2.97% above tier (higher cost structure)
- - Member decline: -7.9% YoY
- - Deposit Growth Rate: Bottom 3.1% in tier
- - Asset Growth Rate: Bottom 3.9% in tier
- - Total Members: Bottom 7.4% in tier
- - Member Growth Rate: Bottom 8.9% in tier
- - Total Deposits: Bottom 9.5% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 52 that size in Alabama.
- Shares and deposits -15.9% year over year ($1.5M in shares and deposits).
- Membership: 279 members, -7.9% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.33%.
- Efficiency ratio 91.73% vs a 88.77% peer average.
- Loan-to-share ratio 66.57% vs a 58.89% 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 |
279
-7.9% YoY+0.7% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
Bottom 7.3% in tier |
| Assets |
$2.2M
-11.3% YoY-3.6% QoQ
|
$-28.0M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.1% in tier |
| Loans |
$1.0M
-1.2% YoY-12.8% QoQ
|
$-14.4M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.7% in tier |
| Deposits |
$1.5M
-15.9% YoY-5.0% QoQ
|
$-24.3M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.4% in tier |
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| ROA |
0.3%
+110.9% YoY-27.5% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
20% |
| NIM |
3.5%
+1.7% YoY-0.5% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
33% |
| Efficiency Ratio |
91.7%
-2.5% YoY+6.5% QoQ
|
+3.0% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
66.6%
+17.4% YoY-8.2% QoQ
|
+7.7% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
61% |
| AMR |
$9,226
-2.9% YoY-8.9% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 7.7% | 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)