BlastPoint's Credit Union Scorecard
NUCOR EMPLOYEES
Charter #15752 · AL
NUCOR EMPLOYEES has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 8.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Efficiency ratio 12.59% above tier (higher cost structure)
- - Member decline: -2.1% YoY
- - Fee Income Per Member: Bottom 4.3% in tier
- - Total Members: Bottom 7.5% in tier
- - Loan Growth Rate: Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
281
-2.1% YoY-7.3% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
Bottom 7.5% in tier |
| Assets |
$2.5M
-0.6% YoY-0.6% QoQ
|
$-27.3M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.6% in tier |
| Loans |
$1.0M
-17.7% YoY-0.7% QoQ
|
$-14.7M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.8% in tier |
| Deposits |
$1.8M
-1.5% YoY-1.0% QoQ
|
$-23.6M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.2% in tier |
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| ROA |
0.3%
-14.3% YoY+86.4% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
27% |
| NIM |
3.4%
-6.8% YoY-1.6% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
29% |
| Efficiency Ratio |
94.0%
+5.6% YoY-0.1% QoQ
|
+12.6% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
83% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
56.9%
-16.5% YoY+0.3% QoQ
|
-4.4% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$10,145
-6.1% YoY+6.8% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
30% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
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)