NUVISION

Charter #566 | CA

3B-5B (76 CUs) Mid-Market (380 CUs)
10 3B-5B in CA

NUVISION has 8 strengths but faces 6 concerns

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

  • - Growth-at-Risk: 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
 45th in tier
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
 47th in tier
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
 59th in tier
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
 49th in tier
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
 46th in tier
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
 74th in tier
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
 55th in tier
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
 43rd in tier
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
 51st in tier
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
 63rd in tier
CD Concentration 38.8%
+8.4% YoY+4.2% QoQ
 +9.8% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Top 14.8% in tier
Indirect Auto % 17.5%
+4.8% YoY-1.8% QoQ
 -1.3% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 52nd in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#3 of 138 • Top 0.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 20.85%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Organic Growth Engine

growth
#28 of 246 • Top 3.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 20.85%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.78%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 17.50%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Concerns (5)

Growth-at-Risk

risk
#82 of 161 • Bottom 14.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 14.99%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.02% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Liquidity Strain

risk
#82 of 183 • Bottom 15.5% in tier

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

Why This Signature
Loan-to-Share Ratio: 93.41%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 14.99%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#50 of 83 • Bottom 16.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.28%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#149 of 202 • Bottom 24.0% in tier

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

Why This Signature
Asset Growth (YoY): 13.26%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 17.50%
(Tier: 18.80%, National: 7.90%)
but better than tier avg
Member Growth (YoY): 20.85%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Credit Quality Pressure

risk
#197 of 217 • Bottom 25.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.02% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

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)

Comparing against 76 peers in tier

Top Strengths (5 metrics)

4
Member Growth Rate
growth
Value: 20.85%
Peer Avg: 7.02%
#4 of 76 Top 3.9% in 3B-5B tier
6
Deposit Growth Rate
growth
Value: 21.15%
Peer Avg: 8.84%
#6 of 76 Top 6.6% in 3B-5B tier
8
Asset Growth Rate
growth
Value: 13.26%
Peer Avg: 7.42%
#8 of 76 Top 9.2% in 3B-5B tier
11
Loan Growth Rate
growth
Value: 14.99%
Peer Avg: 9.56%
#11 of 76 Top 13.2% in 3B-5B tier
20
Net Interest Margin (NIM)
profitability
Value: 3.62%
Peer Avg: 3.20%
#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (2 metrics)

61
AMR Growth Rate
growth
Value: -2.28%
Peer Avg: 2.07%
#61 of 76 Bottom 21.1% in 3B-5B tier
58
Share Certificate Concentration (%)
balance_sheet
Value: 38.75%
Peer Avg: 30.70%
#58 of 76 Bottom 25.0% in 3B-5B tier