BlastPoint's Credit Union Scorecard
NEBO
Charter #67146 · UT
NEBO has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 35.9% in tier
- - Liquidity Overhang: Bottom 92.5% in tier
- - ROA 0.52% below tier average
- - Efficiency ratio 6.79% above tier (higher cost structure)
- - Delinquency rate 0.08% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,769
+0.1% YoY-1.6% QoQ
|
-2.7K |
15,437
-2.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$144.6M
+3.5% YoY-0.2% QoQ
|
$-87.2M |
$231.9M
+1.3% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$102.8M
+1.6% YoY-0.7% QoQ
|
$-44.6M |
$147.3M
-0.1% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$121.5M
+4.1% YoY+0.5% QoQ
|
$-79.3M |
$200.8M
+0.8% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
0.2%
-52.5% YoY-43.0% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.6% in tier |
| NIM |
3.6%
+0.9% YoY-0.5% QoQ
|
-0.0% |
3.6%
+6.7% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
83.8%
+3.8% YoY+4.0% QoQ
|
+6.8% |
77.0%
-3.1% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
1.0%
-10.1% YoY+3.5% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
84.5%
-2.4% YoY-1.2% QoQ
|
+12.3% |
72.2%
-1.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$17,565
+2.8% YoY+1.6% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration |
34.2%
+4.4% YoY+1.4% QoQ
|
+9.8% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % |
14.9%
+10.5% YoY+2.3% QoQ
|
+1.1% | 13.8% | 7.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—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)