BlastPoint's Credit Union Scorecard

NUVISION

Charter #566 · CA

Mid-Market 3B-5B

78 CUs in 3B-5B nationally 11 in CA

View Mid-Market leaderboard →

NUVISION has 2 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 20.3% in tier
+ Net Interest Margin 0.52% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 24.5% in tier
- Indirect Auto Dependency: Bottom 82.4% in tier
- Membership Headwinds: Bottom 93.4% in tier
- Stagnation Risk: Bottom 93.4% in tier
- Efficiency ratio 0.66% above tier (higher cost structure)
- Member decline: -4.7% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	204,942 -4.7% YoY-3.4% QoQ	-15.5K	220,435 -7.6% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	44%
Assets	$3.9B +1.4% YoY+0.4% QoQ	+$20.2M	$3.9B -1.5% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	49%
Loans	$3.1B +2.1% YoY-0.4% QoQ	+$208.2M	$2.9B -1.1% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	60%
Deposits	$3.3B +1.2% YoY+0.0% QoQ	$-483K	$3.3B -2.5% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	47%

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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	0.8% +35.3% YoY-3.8% QoQ	+0.0%	0.7% +10.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	50%
NIM	3.7% +1.0% YoY+2.9% QoQ	+0.5%	3.2% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	78%
Efficiency Ratio	71.9% -4.8% YoY+0.8% QoQ	+0.7%	71.3% -2.6% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	59%
Delinquency Rate	0.5% -15.2% YoY-19.5% QoQ	-0.3	0.7% +9.2% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	38%
Loan To Share	94.1% +0.8% YoY-0.4% QoQ	+6.1%	88.0% +0.9% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	65%
AMR	$31,222 +6.6% YoY+3.4% QoQ	+$550	$30,672 +5.5% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	63%
CD Concentration	36.4% -1.2% YoY-6.1% QoQ	+7.6%	28.8%	21.6%	19.8%	82%
Indirect Auto %	16.4% -10.6% YoY-1.4% QoQ	-1.6%	18.1%	9.0%	7.7%	51%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#77 of 125 • Top 20.3% in tier

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

Why This Signature

AMR Growth (YoY): 6.64%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#26 of 91 • Bottom 93.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.68%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Stagnation Risk

risk

#37 of 91 • Bottom 93.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.68%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 2.09%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.45%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Liquidity Strain

risk

#114 of 148 • Bottom 24.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.05%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 2.09%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#184 of 198 • Bottom 82.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.39%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 16.44%

(Tier: 18.07%, National: 7.73%)

but better than tier avg

Member Growth (YoY): -4.68%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

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 78 peers in tier

Top Strengths (3 metrics)

AMR Growth Rate

growth

Value: 6.64%

Peer Median: 2.86%

#13 of 78 Top 15.4% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 3.73%

Peer Median: 3.23%

#17 of 78 Top 20.5% in 3B-5B tier

Net Worth Ratio

risk

Value: 11.87%

Peer Median: 10.59%

#19 of 78 Top 23.1% in 3B-5B tier

Top Weaknesses (4 metrics)

Member Growth Rate

growth

Value: -4.68%

Peer Median: 3.36%

#71 of 78 Bottom 10.3% in 3B-5B tier

Fee Income Per Member

profitability

Value: $117.85

Peer Median: $175.66

#62 of 78 Bottom 21.8% in 3B-5B tier

Asset Growth Rate

growth

Value: 1.39%

Peer Median: 5.44%

#62 of 78 Bottom 21.8% in 3B-5B tier

Deposit Growth Rate

growth

Value: 1.24%

Peer Median: 5.31%

#62 of 78 Bottom 21.8% in 3B-5B tier