BlastPoint's Credit Union Scorecard

NIZARI PROGRESSIVE

Charter #24384 · TX

1077 CUs in 100M-500M nationally 79 in TX

NIZARI PROGRESSIVE has 19 strengths but faces 1 concern

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 5.8% in tier
+ Relationship Depth Leader: Top 6.6% in tier
+ Wallet Share Momentum: Top 12.7% in tier
+ Organic Growth Leader: Top 16.1% in tier
+ Credit Quality Leader: Top 65.8% in tier
+ Profitability Leader: Top 73.8% in tier
+ ROA 0.47% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Deposit Growth Rate: Top 2.7% in tier
+ Total Assets: Top 3.1% in tier
+ Total Deposits: Top 3.3% in tier
+ Asset Growth Rate: Top 3.8% in tier
+ AMR Growth Rate: Top 4.4% in tier
+ Total Loans: Top 4.5% in tier
+ Average Member Relationship (AMR): Top 6.0% in tier
+ Loan-to-Member Ratio (LMR): Top 6.0% in tier
+ Efficiency Ratio: Top 7.5% in tier
+ Net Charge-Off Rate: Top 8.4% in tier
+ Loan Growth Rate: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Share Certificate Concentration (%): Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	18,537 +2.5% YoY+1.9% QoQ	+2.9K	15,628 -3.4% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	70%
Assets	$470.6M +14.3% YoY+4.9% QoQ	+$239.3M	$231.3M -0.0% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	Top 3.2% in tier
Loans	$317.8M +12.6% YoY+3.5% QoQ	+$170.0M	$147.8M -1.4% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	Top 4.5% in tier
Deposits	$405.8M +19.4% YoY+6.5% QoQ	+$205.5M	$200.3M -0.0% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	Top 3.4% in tier

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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	1.3% +12.8% YoY-6.7% QoQ	+0.5%	0.8% +15.5% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	80%
NIM	2.8% +17.6% YoY+0.0% QoQ	-0.8%	3.6% +6.9% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	Bottom 12.0% in tier
Efficiency Ratio	59.0% -5.2% YoY-0.7% QoQ	-18.2%	77.3% -3.0% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	Bottom 7.5% in tier
Delinquency Rate	0.3% -34.8% YoY-9.6% QoQ	-0.6	0.9% +7.6% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	17%
Loan To Share	78.3% -5.7% YoY-2.8% QoQ	+5.6%	72.7% -1.5% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	59%
AMR	$39,035 +13.5% YoY+3.2% QoQ	+$15K	$24,363 +2.9% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	Top 6.1% in tier
CD Concentration	39.2% -4.3% YoY-7.2% QoQ	+14.8%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (6)

Organic Growth Engine

growth

#107 of 603 • Top 5.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.51%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.26%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(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 | Rank worsening

Relationship Depth Leader

growth

#18 of 257 • Top 6.6% 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): 13.48%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $4.3K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY

Wallet Share Momentum

growth

#62 of 481 • Top 12.7% in tier

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

Why This Signature

AMR Growth (YoY): 13.48%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY

Organic Growth Leader

growth

#213 of 430 • Top 16.1% in tier

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

Why This Signature

Member Growth (YoY): 2.51%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Credit Quality Leader

growth

#224 of 340 • Top 65.8% in tier

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

Why This Signature

Delinquency Rate: 0.28%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.15% points

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

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Profitability Leader

growth

#251 of 340 • Top 73.8% in tier

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

Why This Signature

Return on Assets: 1.26%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.14% points

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

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

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

Concerns (0)

No concerns identified

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 (15 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Deposit Growth Rate

growth

Value: 19.44%

Peer Avg: -

#30 of 1077 Top 2.7% in 100M-500M tier

Total Assets

balance_sheet

Value: $470.62M

Peer Avg: -

#34 of 1077 Top 3.1% in 100M-500M tier

Total Deposits

balance_sheet

Value: $405.76M

Peer Avg: -

#37 of 1077 Top 3.3% in 100M-500M tier

Asset Growth Rate

growth

Value: 14.27%

Peer Avg: -

#42 of 1077 Top 3.8% in 100M-500M tier

AMR Growth Rate

growth

Value: 13.48%

Peer Avg: -

#48 of 1077 Top 4.4% in 100M-500M tier

Total Loans

balance_sheet

Value: $317.84M

Peer Avg: -

#49 of 1077 Top 4.5% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $39,035

Peer Avg: -

#66 of 1077 Top 6.0% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,146

Peer Avg: -

#66 of 1077 Top 6.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 59.03%

Peer Avg: -

#82 of 1077 Top 7.5% in 100M-500M tier

Top Weaknesses (4 metrics)

982

Share Certificate Concentration (%)

balance_sheet

Value: 39.21%

Peer Avg: -

#982 of 1077 Bottom 8.9% in 100M-500M tier

966

Net Worth Ratio

risk

Value: 8.77%

Peer Avg: -

#966 of 1077 Bottom 10.4% in 100M-500M tier

948

Net Interest Margin (NIM)

profitability

Value: 2.80%

Peer Avg: -

#948 of 1077 Bottom 12.1% in 100M-500M tier

832

Members Per Employee (MPE)

engagement

Value: 261.085

Peer Avg: -

#832 of 1077 Bottom 22.8% in 100M-500M tier