BlastPoint's Credit Union Scorecard

NCE

Charter #67578 · TX

<100M

2508 CUs in <100M nationally 237 in TX

NCE has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.16% above tier average
+ Net Interest Margin 0.25% above tier average

Key Concerns

Areas that may need attention

- Efficiency ratio 8.31% above tier (higher cost structure)
- Member decline: -2.9% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	1,326 -2.9% YoY-0.9% QoQ	-1.4K	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	37%
Assets	$5.9M +1.4% YoY+1.9% QoQ	$-24.3M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	22%
Loans	$2.4M -12.5% YoY-6.9% QoQ	$-12.8M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	21%
Deposits	$4.6M +1.2% YoY+2.1% QoQ	$-21.1M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	21%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% +55.2% YoY-35.3% QoQ	+0.2%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	35%
NIM	4.3% -4.0% YoY-5.3% QoQ	+0.2%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	69%
Efficiency Ratio	98.9% +16.0% YoY+18.3% QoQ	+8.3%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	83%
Delinquency Rate	1.1% -71.0% YoY-59.4% QoQ	-0.4	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	66%
Loan To Share	52.6% -13.5% YoY-8.8% QoQ	-6.0%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	41%
AMR	$5,338 -1.2% YoY-0.3% QoQ	$-10K	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	Bottom 10.0% in tier
CD Concentration	29.7% +28.6% YoY+60.3% QoQ	+5.4%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

488

Net Worth Ratio

risk

Value: 20.86%

Peer Median: 14.28%

#488 of 2508 Top 19.4% in <100M tier

546

Members Per Employee (MPE)

engagement

Value: 442.000

Peer Median: 333.750

#546 of 2508 Top 21.7% in <100M tier

Top Weaknesses (8 metrics)

2257

Average Member Relationship (AMR)

engagement

Value: $5,338

Peer Median: $13,926

#2257 of 2508 Bottom 10.0% in <100M tier

2216

Loan-to-Member Ratio (LMR)

engagement

Value: $1,839

Peer Median: $4,923

#2216 of 2508 Bottom 11.7% in <100M tier

2098

Loan Growth Rate

growth

Value: -12.51%

Peer Median: -2.36%

#2098 of 2508 Bottom 16.4% in <100M tier

2085

Efficiency Ratio

profitability

Value: 98.94%

Peer Median: 81.45%

#2085 of 2508 Bottom 16.9% in <100M tier

2058

Share Certificate Concentration (%)

balance_sheet

Value: 29.67%

Peer Median: 12.45%

#2058 of 2508 Bottom 18.0% in <100M tier

1989

Total Loans

balance_sheet

Value: $2.44M

Peer Median: $9.48M

#1989 of 2508 Bottom 20.7% in <100M tier

1971

Total Deposits

balance_sheet

Value: $4.64M

Peer Median: $18.77M

#1971 of 2508 Bottom 21.5% in <100M tier

1955

Total Assets

balance_sheet

Value: $5.89M

Peer Median: $21.86M

#1955 of 2508 Bottom 22.1% in <100M tier