BlastPoint's Credit Union Scorecard
NEBO
Charter #67146 · UT
NEBO has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.02% above tier average
- + Net Worth Ratio: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 20.2% in tier
- - Credit Quality Pressure: Bottom 23.5% in tier
- - Credit Risk Growth: Bottom 27.5% in tier
- - Liquidity Overhang: Bottom 87.2% in tier
- - ROA 0.36% below tier average
- - Efficiency ratio 3.27% above tier (higher cost structure)
- - Delinquency rate 0.08% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,976
+0.1% YoY+0.8% QoQ
|
-2.7K |
15,628
-3.4% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
47% |
| Assets |
$144.9M
+5.1% YoY+2.8% QoQ
|
$-86.4M |
$231.3M
-0.0% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
28% |
| Loans |
$103.4M
+2.0% YoY-0.0% QoQ
|
$-44.3M |
$147.8M
-1.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
36% |
| Deposits |
$120.9M
+5.2% YoY+2.8% QoQ
|
$-79.4M |
$200.3M
-0.0% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
26% |
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| ROA |
0.4%
-42.7% YoY+189.3% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
3.6%
+3.6% YoY+0.7% QoQ
|
+0.0% |
3.6%
+6.9% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
51% |
| Efficiency Ratio |
80.6%
+2.9% YoY-5.1% QoQ
|
+3.3% |
77.3%
-3.0% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
63% |
| Delinquency Rate |
0.9%
+6.2% YoY-16.3% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
67% |
| Loan To Share |
85.6%
-3.0% YoY-2.8% QoQ
|
+12.9% |
72.7%
-1.5% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$17,288
+3.6% YoY+0.7% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration |
33.7%
+2.6% YoY+0.1% QoQ
|
+9.3% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
14.5%
+3.9% YoY+3.9% QoQ
|
+0.6% |
14.0%
-5.7% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)