BlastPoint's Credit Union Scorecard
NEIMAN MARCUS GROUP EMPLOYEES
Charter #6304 · TX
NEIMAN MARCUS GROUP EMPLOYEES has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 1.18% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.89% above tier (higher cost structure)
- - Member decline: -2.3% YoY
- - AMR Growth Rate: Bottom 5.1% in tier
- - Deposit Growth Rate: Bottom 5.8% in tier
- - Asset Growth Rate: Bottom 6.1% in tier
- - Loan Growth Rate: Bottom 6.7% in tier
- - Average Member Relationship (AMR): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,597
-2.3% YoY+3.9% QoQ
|
-28 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$9.7M
-9.3% YoY-4.8% QoQ
|
$-20.2M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$5.4M
-19.5% YoY-4.7% QoQ
|
$-10.4M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
36% |
| Deposits |
$8.1M
-11.4% YoY-6.0% QoQ
|
$-17.3M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
32% |
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| ROA |
0.8%
-127.8% YoY-11.9% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
54% |
| NIM |
5.1%
+14.0% YoY+1.6% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 12.0% in tier |
| Efficiency Ratio |
82.3%
-12.1% YoY+4.0% QoQ
|
+0.9% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.5%
-49.4% YoY+480.4% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
41% |
| Loan To Share |
65.8%
-9.2% YoY+1.3% QoQ
|
+4.6% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$5,199
-12.8% YoY-9.0% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.8% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)