BlastPoint's Credit Union Scorecard
NUCOR EMPLOYEES
Charter #15752 · AL
NUCOR EMPLOYEES has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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 Charge-Off Rate: Top 8.1% in tier
- + Net Worth Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency ratio 15.42% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 6.8% in tier
- - Total Members: Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
281
-1.1% YoY0% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 7.2% in tier |
| Assets |
$2.5M
+3.7% YoY+0.9% QoQ
|
$-27.6M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.2% in tier |
| Loans |
$1.1M
-5.8% YoY+7.3% QoQ
|
$-14.7M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.0% in tier |
| Deposits |
$1.8M
+4.7% YoY+1.3% QoQ
|
$-23.8M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.9% in tier |
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| ROA |
0.1%
-60.3% YoY-58.7% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
3.3%
-9.1% YoY-1.1% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
98.0%
+8.6% YoY+4.3% QoQ
|
+15.4% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
Top 13.6% in tier |
| Delinquency Rate |
0.1%
+24.5% YoY
|
-1.4 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
60.2%
-10.1% YoY+5.9% QoQ
|
-0.4% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$10,498
+1.5% YoY+3.5% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 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)