BlastPoint's Credit Union Scorecard
N.I.C.E.
Charter #24039 · IL
N.I.C.E. has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% above tier average
- + Net Interest Margin 0.68% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.73% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 3.0% in tier
- - Total Members: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
352
-1.7% YoY-1.4% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 9.4% in tier |
| Assets |
$2.6M
+7.6% YoY+4.0% QoQ
|
$-27.6M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.4% in tier |
| Loans |
$1.7M
+1.7% YoY-2.1% QoQ
|
$-13.6M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$2.4M
+8.3% YoY+4.2% QoQ
|
$-23.4M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.2% in tier |
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| ROA |
0.3%
-4.6% YoY
|
+0.1% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
33% |
| NIM |
4.7%
-9.5% YoY-7.2% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
82% |
| Efficiency Ratio |
95.4%
+6.3% YoY+5.2% QoQ
|
+4.7% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
79% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
70.4%
-6.1% YoY-6.0% QoQ
|
+11.9% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
68% |
| AMR |
$11,681
+7.2% YoY+2.9% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
37% |
| CD Concentration |
7.3%
-9.9% YoY-4.0% QoQ
|
-16.9% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 7.7% | 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)