BlastPoint's Credit Union Scorecard

NUVISTA

Charter #16476 · CO

1077 CUs in 100M-500M nationally 26 in CO

NUVISTA has 8 strengths but faces 5 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 13.7% in tier
+ Organic Growth Engine: Top 22.2% in tier
+ Wallet Share Momentum: Top 30.4% in tier
+ Organic Growth Leader: Top 31.6% in tier
+ Credit Quality Leader: Top 50.1% in tier
+ Profitability Leader: Top 78.2% 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
- Credit Risk Growth: Bottom 4.8% 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	38%
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	38%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

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	79%
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	30%
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	27%
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	82%
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	50%
Indirect Auto %	0.9% -34.6% YoY-7.2% QoQ	-13.1%	14.0% -5.7% YoY	12.4% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (6)

Relationship Depth Leader

growth

#36 of 257 • Top 13.7% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

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

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

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: 13.97%, 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

Wallet Share Momentum

growth

#147 of 481 • Top 30.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.46%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Organic Growth Leader

growth

#417 of 430 • Top 31.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.62%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 0.92%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Credit Quality Leader

growth

#171 of 340 • Top 50.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.23%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.23% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Profitability Leader

growth

#266 of 340 • Top 78.2% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.22%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -1.83% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (4)

Cost Spiral

risk

#3 of 62 • Bottom 0.8% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

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): 41.06%

(Tier: 59.95%, National: 63.68%)

but better 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

Profitability above 0.75% ROA but margins eroding by at least 0.10%. 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 (Prior Year): 3.05%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -1.83% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Credit Risk Growth

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: 3.65%, 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

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (9 metrics)

Net Charge-Off Rate

risk

Value: 0.00%

Peer Avg: -

#16 of 1077 Top 1.4% in 100M-500M tier

118

Loan Growth Rate

growth

Value: 11.80%

Peer Avg: -

#118 of 1077 Top 10.9% in 100M-500M tier

118

AMR Growth Rate

growth

Value: 9.46%

Peer Avg: -

#118 of 1077 Top 10.9% in 100M-500M tier

145

Deposit Growth Rate

growth

Value: 9.39%

Peer Avg: -

#145 of 1077 Top 13.4% in 100M-500M tier

146

Total Delinquency Rate (60+ days)

risk

Value: 0.23%

Peer Avg: -

#146 of 1077 Top 13.5% in 100M-500M tier

192

Asset Growth Rate

growth

Value: 8.43%

Peer Avg: -

#192 of 1077 Top 17.7% in 100M-500M tier

197

Average Member Relationship (AMR)

engagement

Value: $29,524

Peer Avg: -

#197 of 1077 Top 18.2% in 100M-500M tier

225

Return on Assets (ROA)

profitability

Value: 1.22%

Peer Avg: -

#225 of 1077 Top 20.8% in 100M-500M tier

252

Net Worth Ratio

risk

Value: 13.78%

Peer Avg: -

#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: -

#1000 of 1077 Bottom 7.2% in 100M-500M tier

962

Members Per Employee (MPE)

engagement

Value: 230.194

Peer Avg: -

#962 of 1077 Bottom 10.8% in 100M-500M tier

958

Total Members

engagement

Value: 7,136

Peer Avg: -

#958 of 1077 Bottom 11.1% in 100M-500M tier

933

Total Loans

balance_sheet

Value: $66.69M

Peer Avg: -

#933 of 1077 Bottom 13.5% in 100M-500M tier