BlastPoint's Credit Union Scorecard

NUVISTA

Charter #16476 · CO

1069 CUs in 100M-500M nationally 26 in CO

NUVISTA has 7 strengths but faces 6 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 34.1% in tier
+ Organic Growth Engine: Top 35.0% in tier
+ Emerging Performer: Top 60.8% in tier
+ Organic Growth Leader: Top 65.4% in tier
+ Wallet Share Momentum: Top 69.7% in tier
+ ROA 0.48% above tier average
+ Net Charge-Off Rate: Top 2.2% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 4.4% in tier
- Margin Compression: Bottom 8.2% in tier
- Credit Risk Growth: Bottom 23.7% in tier
- Credit Quality Pressure: Bottom 45.6% in tier
- Loan-to-Share Ratio: Bottom 6.2% in tier
- Members Per Employee (MPE): Bottom 6.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	7,144 +1.8% YoY+0.1% QoQ	-8.3K	15,437 -2.9% YoY	37,842 +7.2% YoY	33,374 +5.7% YoY	Bottom 11.5% in tier
Assets	$168.9M +8.9% YoY+0.9% QoQ	$-63.0M	$231.9M +1.3% YoY	$688.6M +9.4% YoY	$561.6M +9.7% YoY	39%
Loans	$64.7M +9.6% YoY-3.0% QoQ	$-82.7M	$147.3M -0.1% YoY	$531.4M +7.9% YoY	$397.0M +8.8% YoY	Bottom 12.5% in tier
Deposits	$144.9M +8.1% YoY+0.7% QoQ	$-55.9M	$200.8M +0.8% YoY	$583.2M +9.5% YoY	$477.3M +9.7% YoY	38%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% -61.4% YoY+2.0% QoQ	+0.5%	0.8% +18.2% YoY	0.4% -10.6% YoY	0.7% +15.9% YoY	82%
NIM	3.3% +5.2% YoY+0.8% QoQ	-0.3%	3.6% +6.7% YoY	3.5% +1.6% YoY	3.8% +5.1% YoY	31%
Efficiency Ratio	69.9% +43.5% YoY-0.8% QoQ	-7.1%	77.0% -3.1% YoY	82.6% +1.3% YoY	79.7% -3.3% YoY	26%
Delinquency Rate	0.2% +5654.4% YoY+1.3% QoQ	-0.7	0.9% +4.2% YoY	1.0% +15.7% YoY	1.3% -2.1% YoY	Bottom 11.5% in tier
Loan To Share	44.6% +1.4% YoY-3.7% QoQ	-27.6%	72.2% -1.1% YoY	72.0% -2.4% YoY	67.4% -1.7% YoY	Bottom 6.1% in tier
AMR	$29,340 +6.6% YoY-0.6% QoQ	+$5K	$24,676 +3.4% YoY	$23,202 +4.3% YoY	$19,687 +2.0% YoY	80%
CD Concentration	28.8% +16.1% YoY+6.1% QoQ	+4.3%	24.4%	26.2%	19.8%	50%
Indirect Auto %	0.8% -39.3% YoY-9.1% QoQ	-13.0%	13.8%	12.2%	7.8%	50%

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth

#92 of 268 • Top 34.1% 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): 6.64%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.7K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Organic Growth Engine

growth

#209 of 595 • Top 35.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.82%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.25%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.83%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#111 of 182 • Top 60.8% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.25%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.82%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Organic Growth Leader

growth

#279 of 426 • Top 65.4% in tier

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

Why This Signature

Member Growth (YoY): 1.82%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.83%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Wallet Share Momentum

growth

#358 of 513 • Top 69.7% in tier

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

Why This Signature

AMR Growth (YoY): 6.64%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (4)

Cost Spiral

risk

#3 of 46 • Bottom 4.4% 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: 21.17% points

(Tier: -2.44% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 41.95%

(Tier: 60.04%, National: 63.66%)

but better than tier avg

46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Margin Compression

decline

#11 of 123 • Bottom 8.2% 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: 1.25%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 3.23%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -1.98% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Credit Risk Growth

risk

#109 of 456 • Bottom 23.7% in tier

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

Why This Signature

Loan Growth (YoY): 9.60%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.23% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#322 of 705 • Bottom 45.6% 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: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

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 1069 peers in tier

Top Strengths (8 metrics)

Net Charge-Off Rate

risk

Value: 0.01%

Peer Median: -

#25 of 1069 Top 2.2% in 100M-500M tier

124

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Median: -

#124 of 1069 Top 11.5% in 100M-500M tier

184

Loan Growth Rate

growth

Value: 9.60%

Peer Median: -

#184 of 1069 Top 17.1% in 100M-500M tier

194

Return on Assets (ROA)

profitability

Value: 1.25%

Peer Median: -

#194 of 1069 Top 18.1% in 100M-500M tier

194

Asset Growth Rate

growth

Value: 8.89%

Peer Median: -

#194 of 1069 Top 18.1% in 100M-500M tier

212

Average Member Relationship (AMR)

engagement

Value: $29,340

Peer Median: -

#212 of 1069 Top 19.7% in 100M-500M tier

215

Deposit Growth Rate

growth

Value: 8.14%

Peer Median: -

#215 of 1069 Top 20.0% in 100M-500M tier

235

Net Worth Ratio

risk

Value: 14.01%

Peer Median: -

#235 of 1069 Top 21.9% in 100M-500M tier

Top Weaknesses (4 metrics)

1004

Loan-to-Share Ratio

balance_sheet

Value: 44.61%

Peer Median: -

#1004 of 1069 Bottom 6.2% in 100M-500M tier

1000

Members Per Employee (MPE)

engagement

Value: 210.118

Peer Median: -

#1000 of 1069 Bottom 6.5% in 100M-500M tier

946

Total Members

engagement

Value: 7,144

Peer Median: -

#946 of 1069 Bottom 11.6% in 100M-500M tier

935

Total Loans

balance_sheet

Value: $64.66M

Peer Median: -

#935 of 1069 Bottom 12.6% in 100M-500M tier