BlastPoint's Credit Union Scorecard
NIKKEI
Charter #65059 · CA
NIKKEI has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.7% in tier
- + Total Loans: Top 2.4% in tier
- + Average Member Relationship (AMR): Top 2.6% in tier
- + Total Assets: Top 7.6% in tier
- + Total Deposits: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Efficiency ratio 9.85% above tier (higher cost structure)
- - Member decline: -7.8% YoY
- - First Mortgage Concentration (%): Bottom 3.4% in tier
- - Member Growth Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,817
-7.8% YoY-1.5% QoQ
|
+1.2K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$80.2M
-1.9% YoY+0.7% QoQ
|
+$50.1M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 7.6% in tier |
| Loans |
$59.2M
-11.8% YoY-2.8% QoQ
|
+$43.4M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 2.4% in tier |
| Deposits |
$68.0M
-2.9% YoY+0.6% QoQ
|
+$42.3M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 8.0% in tier |
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| ROA |
0.4%
+18.0% YoY+14.3% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
3.2%
-2.1% YoY+0.2% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
92.4%
+1.5% YoY+2.6% QoQ
|
+9.9% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate |
1.2%
+30.3% YoY+1951.0% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
87.0%
-9.2% YoY-3.4% QoQ
|
+26.4% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 13.2% in tier |
| AMR |
$33,323
+0.6% YoY+0.4% QoQ
|
+$19K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 2.6% in tier |
| CD Concentration |
36.6%
+6.9% YoY+0.7% QoQ
|
+12.2% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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)