BlastPoint's Credit Union Scorecard
NIZARI PROGRESSIVE
Charter #24384 · TX
NIZARI PROGRESSIVE has 16 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 5.2% in tier
- + Wallet Share Momentum: Top 12.1% in tier
- + Organic Growth Engine: Top 26.8% in tier
- + Organic Growth Leader: Top 66.1% in tier
- + ROA 0.47% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 1.3% in tier
- + Total Deposits: Top 1.4% in tier
- + Deposit Growth Rate: Top 2.1% in tier
- + Total Loans: Top 3.1% in tier
- + Asset Growth Rate: Top 3.3% in tier
- + AMR Growth Rate: Top 4.1% in tier
- + Efficiency Ratio: Top 5.9% in tier
- + Average Member Relationship (AMR): Top 5.9% in tier
- + Loan-to-Member Ratio (LMR): Top 5.9% in tier
- + Loan Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 10.5% in tier
- - Credit Quality Pressure: Bottom 31.4% in tier
- - Share Certificate Concentration (%): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,760
+1.8% YoY+1.2% QoQ
|
+3.3K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$488.1M
+15.6% YoY+3.7% QoQ
|
+$256.3M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 1.4% in tier |
| Loans |
$328.2M
+13.4% YoY+3.3% QoQ
|
+$180.8M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 3.2% in tier |
| Deposits |
$421.5M
+18.3% YoY+3.9% QoQ
|
+$220.7M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 1.5% in tier |
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| ROA |
1.2%
+18.2% YoY-1.9% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
81% |
| NIM |
2.8%
+19.5% YoY-0.3% QoQ
|
-0.8% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.0% in tier |
| Efficiency Ratio |
58.3%
-6.5% YoY-1.2% QoQ
|
-18.7% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.9% in tier |
| Delinquency Rate |
0.5%
+252.3% YoY+64.8% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
29% |
| Loan To Share |
77.9%
-4.1% YoY-0.6% QoQ
|
+5.6% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$39,964
+14.1% YoY+2.4% QoQ
|
+$15K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Top 6.0% in tier |
| CD Concentration |
37.6%
-4.9% YoY-4.2% QoQ
|
+13.1% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (4)
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 (<20%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)