BlastPoint's Credit Union Scorecard
NUVISION
Charter #566 · CA
NUVISION has 8 strengths but faces 3 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 3.5% in tier
- + Organic Growth Engine: Top 11.0% in tier
- + ROA 0.08% above tier average
- + Net Interest Margin 0.48% above tier average
- + Strong member growth: 19.3% YoY
- + Member Growth Rate: Top 3.9% in tier
- + Asset Growth Rate: Top 6.6% in tier
- + Deposit Growth Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 35.8% in tier
- - Indirect Auto Dependency: Bottom 68.7% in tier
- - Shrinking Wallet Share: Bottom 78.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
212,237
+19.3% YoY-0.8% QoQ
|
-18.1K |
230,353
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$3.9B
+18.5% YoY-0.3% QoQ
|
$-22.9M |
$3.9B
+0.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$3.1B
+15.4% YoY+0.7% QoQ
|
+$177.5M |
$2.9B
-0.2% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
59% |
| Deposits |
$3.3B
+20.2% YoY-0.4% QoQ
|
$-13.4M |
$3.3B
-0.3% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
0.8%
+167.6% YoY+1.6% QoQ
|
+0.1% |
0.7%
+16.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
3.6%
+11.6% YoY+0.0% QoQ
|
+0.5% |
3.1%
+9.8% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
71.3%
-12.0% YoY-0.3% QoQ
|
-0.1% |
71.4%
-1.4% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.6%
-2.9% YoY+4.1% QoQ
|
-0.3 |
0.9%
+5.8% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
94.4%
-4.0% YoY+1.1% QoQ
|
+5.5% |
88.9%
-0.2% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$30,202
-1.2% YoY+1.0% QoQ
|
+$520 |
$29,682
+1.5% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
38.7%
+12.1% YoY-0.0% QoQ
|
+9.7% | 29.0% | 21.7% | 19.8% | Top 14.4% in tier |
| Indirect Auto % |
16.7%
+5.9% YoY-4.7% QoQ
|
-1.6% | 18.3% | 9.2% | 7.8% | 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 (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)