NUVISTA

Charter #16476 | CO

100M-500M (1077 CUs) Micro
26 100M-500M in CO

NUVISTA has 7 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 1.7% in tier
  • + Wallet Share Momentum: Top 5.3% in tier
  • + Emerging Performer: Top 8.5% in tier
  • + Organic Growth Engine: Top 22.2% in tier
  • + Organic Growth Leader: Top 31.6% in tier
  • + ROA 0.43% above tier average
  • + Net Charge-Off Rate: Top 1.4% in tier

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 0.8% in tier
  • - Margin Compression: Bottom 4.3% in tier
  • - Growth-at-Risk: Bottom 4.8% in tier
  • - Liquidity Overhang: Bottom 7.3% in tier
  • - Credit Quality Pressure: Bottom 13.1% in tier
  • - Loan-to-Share Ratio: Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Members 7,136
+0.6% YoY+0.7% QoQ
 -8.5K 15,628
-3.4% YoY
 38,063
+8.0% YoY
 33,089
+6.1% YoY
 Bottom 11.0% in tier
Assets $167.4M
+8.4% YoY+3.4% QoQ
 $-63.9M $231.3M
-0.0% YoY
 $678.0M
+7.3% YoY
 $547.7M
+7.8% YoY
 38th in tier
Loans $66.7M
+11.8% YoY+0.4% QoQ
 $-81.1M $147.8M
-1.4% YoY
 $529.4M
+8.0% YoY
 $388.7M
+8.6% YoY
 Bottom 13.4% in tier
Deposits $144.0M
+9.4% YoY+3.6% QoQ
 $-56.3M $200.3M
-0.0% YoY
 $571.8M
+9.1% YoY
 $464.6M
+9.3% YoY
 38th in tier
ROA 1.2%
-59.9% YoY-1.1% QoQ
 +0.4% 0.8%
+15.5% YoY
 0.5%
+8.5% YoY
 0.7%
+273.4% YoY
 Top 20.9% in tier
NIM 3.3%
+1.4% YoY+0.1% QoQ
 -0.3% 3.6%
+6.9% YoY
 3.6%
+3.7% YoY
 3.7%
+5.0% YoY
 30th in tier
Efficiency Ratio 70.5%
+47.6% YoY+0.7% QoQ
 -6.8% 77.3%
-3.0% YoY
 80.6%
-2.6% YoY
 79.1%
-3.3% YoY
 27th in tier
Delinquency Rate 0.2%
+12102.2% YoY
 -0.6 0.9%
+7.6% YoY
 0.9%
+6.2% YoY
 1.2%
-0.9% YoY
 Bottom 13.5% in tier
Loan To Share 46.3%
+2.2% YoY-3.0% QoQ
 -26.4% 72.7%
-1.5% YoY
 72.9%
-3.4% YoY
 68.0%
-1.7% YoY
 Bottom 7.1% in tier
AMR $29,524
+9.5% YoY+1.9% QoQ
 +$5K $24,363
+2.9% YoY
 $22,866
+4.1% YoY
 $19,418
+1.3% YoY
 Top 18.3% in tier
CD Concentration 27.1%
+10.9% YoY+5.6% QoQ
 +2.7% 24.4%
+4.2% YoY
 26.3%
+7.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.9%
-34.6% YoY-7.2% QoQ
 -13.0% 14.0%
-5.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth
#49 of 1006 • Top 1.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 9.46%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.7K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#147 of 1006 • Top 5.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 9.46%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Emerging Performer

growth
#160 of 627 • Top 8.5% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.22%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 0.62%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Organic Growth Engine

growth
#408 of 603 • Top 22.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.62%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.22%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.92%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth
#417 of 430 • Top 31.6% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.62%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Concerns (5)

Cost Spiral

risk
#3 of 62 • Bottom 0.8% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 22.71% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $167.36M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Margin Compression

decline
#19 of 136 • Bottom 4.3% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.22%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -1.83% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $167.36M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Growth-at-Risk

risk
#73 of 446 • Bottom 4.8% in tier

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

Why This Signature
Loan Growth (YoY): 11.80%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.23% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Liquidity Overhang

risk
#114 of 552 • Bottom 7.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.78%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 46.31%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Credit Quality Pressure

risk
#326 of 736 • Bottom 13.1% 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: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (9 metrics)

16
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: 0.47%
#16 of 1077 Top 1.4% in 100M-500M tier
118
Loan Growth Rate
growth
Value: 11.80%
Peer Avg: 3.45%
#118 of 1077 Top 10.9% in 100M-500M tier
118
AMR Growth Rate
growth
Value: 9.46%
Peer Avg: 3.64%
#118 of 1077 Top 10.9% in 100M-500M tier
145
Deposit Growth Rate
growth
Value: 9.39%
Peer Avg: 4.69%
#145 of 1077 Top 13.4% in 100M-500M tier
146
Total Delinquency Rate (60+ days)
risk
Value: 0.23%
Peer Avg: 0.86%
#146 of 1077 Top 13.5% in 100M-500M tier
192
Asset Growth Rate
growth
Value: 8.43%
Peer Avg: 4.70%
#192 of 1077 Top 17.7% in 100M-500M tier
197
Average Member Relationship (AMR)
engagement
Value: $29,524
Peer Avg: $24,363
#197 of 1077 Top 18.2% in 100M-500M tier
225
Return on Assets (ROA)
profitability
Value: 1.22%
Peer Avg: 0.79%
#225 of 1077 Top 20.8% in 100M-500M tier
252
Net Worth Ratio
risk
Value: 13.78%
Peer Avg: 12.15%
#252 of 1077 Top 23.3% in 100M-500M tier

Top Weaknesses (4 metrics)

1000
Loan-to-Share Ratio
balance_sheet
Value: 46.31%
Peer Avg: 72.70%
#1000 of 1077 Bottom 7.2% in 100M-500M tier
962
Members Per Employee (MPE)
engagement
Value: 230.194
Peer Avg: 332.881
#962 of 1077 Bottom 10.8% in 100M-500M tier
958
Total Members
engagement
Value: 7,136
Peer Avg: 15,628
#958 of 1077 Bottom 11.1% in 100M-500M tier
933
Total Loans
balance_sheet
Value: $66.69M
Peer Avg: $147.80M
#933 of 1077 Bottom 13.5% in 100M-500M tier