BlastPoint's Credit Union Scorecard
NUVISION
Charter #566 · CA
NUVISION has 8 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 0.5% in tier
- + Organic Growth Engine: Top 3.7% in tier
- + ROA 0.04% above tier average
- + Net Interest Margin 0.42% above tier average
- + Strong member growth: 20.9% YoY
- + Member Growth Rate: Top 3.9% in tier
- + Deposit Growth Rate: Top 6.6% in tier
- + Asset Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 14.6% in tier
- - Liquidity Strain: Bottom 15.5% in tier
- - Shrinking Wallet Share: Bottom 16.2% in tier
- - Indirect Auto Dependency: Bottom 24.0% in tier
- - Credit Quality Pressure: Bottom 25.6% in tier
- - Efficiency ratio 0.31% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
213,989
+20.9% YoY+0.2% QoQ
|
-24.5K |
238,465
+0.6% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
45% |
| Assets |
$3.9B
+13.3% YoY+1.9% QoQ
|
$-41.9M |
$4.0B
-0.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
47% |
| Loans |
$3.1B
+15.0% YoY+0.6% QoQ
|
+$72.7M |
$3.0B
+3.3% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
59% |
| Deposits |
$3.3B
+21.2% YoY+2.4% QoQ
|
$-23.5M |
$3.3B
+1.1% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
49% |
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| ROA |
0.8%
+175.2% YoY+4.0% QoQ
|
+0.0% |
0.7%
+5.3% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
46% |
| NIM |
3.6%
+16.9% YoY+1.0% QoQ
|
+0.4% |
3.2%
+13.7% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
71.6%
-11.2% YoY-0.9% QoQ
|
+0.3% |
71.3%
-0.6% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.5%
+3.4% YoY-1.9% QoQ
|
-0.3 |
0.8%
+15.9% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
43% |
| Loan To Share |
93.4%
-5.1% YoY-1.7% QoQ
|
+2.6% |
90.8%
+2.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
51% |
| AMR |
$29,914
-2.3% YoY+1.3% QoQ
|
+$827 |
$29,088
+0.1% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
63% |
| CD Concentration |
38.8%
+8.4% YoY+4.2% QoQ
|
+9.8% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
Top 14.7% in tier |
| Indirect Auto % |
17.5%
+4.8% YoY-1.8% QoQ
|
-1.3% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
52% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)