BlastPoint's Credit Union Scorecard
NEIMAN MARCUS GROUP EMPLOYEES
Charter #6304 · TX
NEIMAN MARCUS GROUP EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.79% above tier average
- + Members Per Employee (MPE): Top 8.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.30% below tier average
- - Efficiency ratio 8.77% above tier (higher cost structure)
- - Member decline: -9.6% YoY
- - Net Charge-Off Rate: Bottom 3.8% in tier
- - Loan Growth Rate: Bottom 4.2% in tier
- - Deposit Growth Rate: Bottom 5.7% in tier
- - Member Growth Rate: Bottom 6.5% in tier
- - Asset Growth Rate: Bottom 6.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,314
-9.6% YoY-1.2% QoQ
|
-362 |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
58% |
| Assets |
$9.3M
-8.5% YoY-1.5% QoQ
|
$-20.9M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$4.6M
-23.8% YoY-5.5% QoQ
|
$-10.7M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
32% |
| Deposits |
$7.7M
-10.9% YoY-2.3% QoQ
|
$-18.1M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
30% |
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| ROA |
-0.2%
-123.1% YoY-120.5% QoQ
|
-0.3% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
18% |
| NIM |
4.8%
-3.6% YoY-8.6% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
85% |
| Efficiency Ratio |
99.4%
+15.4% YoY+20.4% QoQ
|
+8.8% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
84% |
| Delinquency Rate |
1.1%
+65.2% YoY+58.6% QoQ
|
-0.4 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
67% |
| Loan To Share |
60.0%
-14.5% YoY-3.2% QoQ
|
+1.5% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$5,331
-7.3% YoY-2.4% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.9% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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)