BlastPoint's Credit Union Scorecard
NIZARI PROGRESSIVE
Charter #24384 · TX
NIZARI PROGRESSIVE has 8 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 7.1% in tier
- + Organic Growth Leader: Top 7.1% in tier
- + Relationship Depth Leader: Top 20.1% in tier
- + Wallet Share Momentum: Top 20.1% in tier
- + ROA 0.56% above tier average
- + Strong member growth: 6.6% YoY
- + Deposit Growth Rate: Top 3.6% in tier
- + Efficiency Ratio: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 1.8% in tier
- - Total Assets: Bottom 3.0% in tier
- - Total Members: Bottom 4.2% in tier
- - Total Deposits: Bottom 6.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 16 that size in Texas.
- Shares and deposits +15.4% year over year ($440M in shares and deposits).
- Membership: 19,403 members, +6.6% vs a year ago.
- Delinquency rate 0.16%.
- Return on assets 1.38%.
- Efficiency ratio 57.20% vs a 76.56% peer average.
- Loan-to-share ratio 79.08% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,403
+6.6% YoY+1.5% QoQ
|
-18.5K |
37,897
-5.0% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Bottom 3.6% in tier |
| Assets |
$504.8M
+12.5% YoY+2.2% QoQ
|
$-117.6M |
$622.4M
+0.6% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.4% in tier |
| Loans |
$347.7M
+13.3% YoY+2.6% QoQ
|
$-80.8M |
$428.5M
-0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
19% |
| Deposits |
$439.7M
+15.4% YoY+2.9% QoQ
|
$-100.1M |
$539.8M
+0.9% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.1% in tier |
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| ROA |
1.4%
+2.6% YoY+0.6% QoQ
|
+0.6% |
0.8%
+39.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 11.5% in tier |
| NIM |
3.1%
+10.7% YoY-0.7% QoQ
|
-0.4% |
3.5%
+5.0% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
22% |
| Efficiency Ratio |
57.2%
-3.8% YoY-1.7% QoQ
|
-19.4% |
76.6%
-3.6% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 4.2% in tier |
| Delinquency Rate |
0.2%
-48.1% YoY-37.5% QoQ
|
-0.6 |
0.8%
+3.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Top 6.1% in tier |
| Loan To Share |
79.1%
-1.8% YoY-0.2% QoQ
|
-0.2% |
79.3%
-1.4% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
41% |
| AMR |
$40,579
+7.3% YoY+1.2% QoQ
|
+$13K |
$27,294
+4.1% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 6.1% in tier |
| CD Concentration |
44.5%
+5.4% YoY+8.2% QoQ
|
+20.0% | 24.6% | 21.6% | 20.0% | Top 3.6% in tier |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (4)
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.
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.
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)