BlastPoint's Credit Union Scorecard
NUEVA ESPERANZA COMMUNITY
Charter #68603 · OH
NUEVA ESPERANZA COMMUNITY has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.38% above tier average
- + Net Interest Margin 1.00% above tier average
- + Strong member growth: 21.0% YoY
- + Loan-to-Share Ratio: Top 0.6% in tier
- + Net Worth Ratio: Top 1.1% in tier
- + Member Growth Rate: Top 2.1% in tier
- + Fee Income Per Member: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.24% above tier average
- - AMR Growth Rate: Bottom 1.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in Ohio.
- Shares and deposits -1.6% year over year ($2.2M in shares and deposits).
- Membership: 823 members, +21.0% vs a year ago.
- Delinquency rate 2.79%.
- Return on assets 1.87%.
- Efficiency ratio 66.20% vs a 88.77% peer average.
- Loan-to-share ratio 117.41% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
823
+21.0% YoY+1.6% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
24% |
| Assets |
$4.5M
-0.8% YoY+1.0% QoQ
|
$-25.8M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$2.6M
-11.0% YoY-4.7% QoQ
|
$-12.9M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
22% |
| Deposits |
$2.2M
-1.6% YoY+1.2% QoQ
|
$-23.6M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 11.9% in tier |
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| ROA |
1.9%
+100.0% YoY-6.3% QoQ
|
+0.4% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
Top 11.5% in tier |
| NIM |
4.9%
-4.0% YoY-1.3% QoQ
|
+1.0% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
Top 13.3% in tier |
| Efficiency Ratio |
66.2%
-10.3% YoY-0.4% QoQ
|
-22.6% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
19% |
| Delinquency Rate |
2.8%
-53.2% YoY+53.1% QoQ
|
+1.2 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 14.2% in tier |
| Loan To Share |
117.4%
-9.5% YoY-5.8% QoQ
|
+58.5% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
Top 0.7% in tier |
| AMR |
$5,792
-23.1% YoY-3.6% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
Bottom 11.0% in tier |
| CD Concentration |
0.5%
-28.5% YoY-0.9% QoQ
|
-24.0% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.9% | 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)