BlastPoint's Credit Union Scorecard
NEXTMARK
Charter #24658 · VA
NEXTMARK has 7 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + Net Interest Margin 0.30% above tier average
- + Loan-to-Share Ratio: Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 1.1% in tier
- + Average Member Relationship (AMR): Top 1.7% in tier
- + Net Worth Ratio: Top 4.6% in tier
- + Efficiency Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8.7% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Delinquency rate 0.33% above tier average
- - Member decline: -3.3% YoY
- - AMR Growth Rate: Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
Core Metrics
As of 2024-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,208
-3.3% YoY-1.4% QoQ
|
-24.3K |
40,500
-2.8% YoY
|
207,238
+9.1% YoY
|
31,574
+5.6% YoY
|
Bottom 1.1% in tier |
| Assets |
$515.7M
-3.1% YoY-0.8% QoQ
|
$-105.2M |
$620.9M
-0.6% YoY
|
$2.7B
+6.7% YoY
|
$512.2M
+5.7% YoY
|
Bottom 11.4% in tier |
| Loans |
$409.3M
-3.5% YoY-2.0% QoQ
|
$-28.4M |
$437.7M
-1.5% YoY
|
$2.0B
+8.1% YoY
|
$364.9M
+6.1% YoY
|
35% |
| Deposits |
$351.0M
-7.0% YoY-1.1% QoQ
|
$-184.8M |
$535.7M
+0.2% YoY
|
$2.3B
+7.1% YoY
|
$435.0M
+7.6% YoY
|
Bottom 0.1% in tier |
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| ROA |
0.8%
-33.8% YoY+5.7% QoQ
|
+0.3% |
0.5%
-17.4% YoY
|
0.5%
-100.5% YoY
|
0.6%
-131.7% YoY
|
71% |
| NIM |
3.5%
+7.0% YoY+0.8% QoQ
|
+0.3% |
3.2%
+3.7% YoY
|
3.8%
-109.7% YoY
|
3.6%
+50.3% YoY
|
73% |
| Efficiency Ratio |
73.3%
+7.0% YoY+2.0% QoQ
|
-7.5% |
80.8%
+1.6% YoY
|
80.7%
-0.5% YoY
|
82.3%
-1.8% YoY
|
25% |
| Delinquency Rate |
1.2%
+225.3% YoY+16.1% QoQ
|
+0.3 |
0.9%
+15.0% YoY
|
1.6%
+2.7% YoY
|
1.3%
+8.3% YoY
|
75% |
| Loan To Share |
116.6%
+3.7% YoY-0.9% QoQ
|
+34.9% |
81.8%
-1.9% YoY
|
69.1%
-0.6% YoY
|
68.6%
-1.2% YoY
|
Top 0.6% in tier |
| AMR |
$46,909
-2.0% YoY-0.2% QoQ
|
+$21K |
$26,150
+2.3% YoY
|
$18,461
+2.9% YoY
|
$19,294
+3.8% YoY
|
Top 3.4% in tier |
| CD Concentration |
36.9%
+2.0% YoY-1.1% QoQ
|
- | - | - | - | 50% |
| Indirect Auto % | 0.0% | - | - | - | - | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)