BlastPoint's Credit Union Scorecard
NUVISTA
Charter #16476 · CO
NUVISTA has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.31% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Deposit Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Loan-to-Share Ratio: Bottom 7.2% in tier
- - Members Per Employee (MPE): Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,156
+1.1% YoY+0.2% QoQ
|
-8.0K |
15,145
-2.5% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
Bottom 12.4% in tier |
| Assets |
$177.7M
+10.0% YoY+5.2% QoQ
|
$-54.0M |
$231.7M
+0.8% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
42% |
| Loans |
$67.4M
+5.4% YoY+4.3% QoQ
|
$-76.7M |
$144.1M
+0.2% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
15% |
| Deposits |
$152.6M
+9.9% YoY+5.3% QoQ
|
$-48.6M |
$201.1M
+0.4% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
42% |
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| ROA |
1.0%
-9.1% YoY-16.4% QoQ
|
+0.3% |
0.7%
+5.1% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
72% |
| NIM |
3.1%
-3.9% YoY-7.0% QoQ
|
-0.6% |
3.6%
+4.6% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
18% |
| Efficiency Ratio |
73.2%
+2.2% YoY+4.8% QoQ
|
-4.8% |
78.0%
-1.7% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
32% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-0.8 |
0.8%
+7.1% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
44.2%
-4.1% YoY-0.9% QoQ
|
-26.2% |
70.4%
-0.4% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.1% in tier |
| AMR |
$30,743
+7.3% YoY+4.8% QoQ
|
+$6K |
$24,918
+2.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
83% |
| CD Concentration |
26.8%
+9.9% YoY-6.8% QoQ
|
+2.5% | 24.3% | 26.7% | 19.8% | 50% |
| Indirect Auto % |
0.7%
-36.9% YoY-16.4% QoQ
|
-13.1% | 13.8% | 12.4% | 7.7% | 50% |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)