BlastPoint's Credit Union Scorecard
NUEVA ESPERANZA COMMUNITY
Charter #68603 · OH
<100M
2556 CUs in <100M nationally
118 in OH
NUEVA ESPERANZA COMMUNITY has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.16% above tier average
- + Net Interest Margin 1.21% above tier average
- + Strong member growth: 37.4% YoY
- + Loan-to-Share Ratio: Top 0.2% in tier
- + Member Growth Rate: Top 0.7% in tier
- + Net Worth Ratio: Top 1.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.59% above tier average
- - AMR Growth Rate: Bottom 1.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.0% in tier
- - Deposit Growth Rate: Bottom 6.4% in tier
- - Net Charge-Off Rate: Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
860
+37.4% YoY+20.8% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$4.4M
+0.1% YoY-0.9% QoQ
|
$-25.7M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$2.9M
+4.1% YoY-2.6% QoQ
|
$-12.9M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$2.1M
-10.5% YoY-1.3% QoQ
|
$-23.5M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.9% in tier |
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| ROA |
1.8%
-411.0% YoY+0.8% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Top 10.2% in tier |
| NIM |
5.2%
-0.4% YoY-0.7% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 11.2% in tier |
| Efficiency Ratio |
65.0%
-23.1% YoY+1.1% QoQ
|
-17.6% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
5.1%
-24.8% YoY-13.6% QoQ
|
+3.6 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 6.0% in tier |
| Loan To Share |
134.9%
+16.3% YoY-1.3% QoQ
|
+74.3% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Top 0.3% in tier |
| AMR |
$5,843
-29.2% YoY-18.9% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.5% in tier |
| CD Concentration |
0.5%
-21.6% YoY-30.3% QoQ
|
-23.9% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
6
Loan-to-Share Ratio
balance_sheet
Value:
134.87%
Peer Median: -
#6 of 2556
Top 0.2% in <100M tier
20
Member Growth Rate
growth
Value:
37.38%
Peer Median: -
#20 of 2556
Top 0.7% in <100M tier
30
Net Worth Ratio
risk
Value:
47.45%
Peer Median: -
#30 of 2556
Top 1.1% in <100M tier
260
Return on Assets (ROA)
profitability
Value:
1.78%
Peer Median: -
#260 of 2556
Top 10.1% in <100M tier
285
Net Interest Margin (NIM)
profitability
Value:
5.16%
Peer Median: -
#285 of 2556
Top 11.1% in <100M tier
425
Fee Income Per Member
profitability
Value:
$142.01
Peer Median: -
#425 of 2556
Top 16.6% in <100M tier
455
Efficiency Ratio
profitability
Value:
64.96%
Peer Median: -
#455 of 2556
Top 17.8% in <100M tier
609
Share Certificate Concentration (%)
balance_sheet
Value:
0.52%
Peer Median: -
#609 of 2556
Top 23.8% in <100M tier
637
Loan Growth Rate
growth
Value:
4.09%
Peer Median: -
#637 of 2556
Top 24.9% in <100M tier
Top Weaknesses (9 metrics)
2531
AMR Growth Rate
growth
Value:
-29.17%
Peer Median: -
#2531 of 2556
Bottom 1.0% in <100M tier
2403
Total Delinquency Rate (60+ days)
risk
Value:
5.14%
Peer Median: -
#2403 of 2556
Bottom 6.0% in <100M tier
2393
Deposit Growth Rate
growth
Value:
-10.54%
Peer Median: -
#2393 of 2556
Bottom 6.4% in <100M tier
2385
Net Charge-Off Rate
risk
Value:
1.81%
Peer Median: -
#2385 of 2556
Bottom 6.7% in <100M tier
2261
Average Member Relationship (AMR)
engagement
Value:
$5,843
Peer Median: -
#2261 of 2556
Bottom 11.6% in <100M tier
2251
Total Deposits
balance_sheet
Value:
$2.14M
Peer Median: -
#2251 of 2556
Bottom 12.0% in <100M tier
2118
Total Assets
balance_sheet
Value:
$4.41M
Peer Median: -
#2118 of 2556
Bottom 17.2% in <100M tier
1964
Total Loans
balance_sheet
Value:
$2.89M
Peer Median: -
#1964 of 2556
Bottom 23.2% in <100M tier
1928
Total Members
engagement
Value:
860
Peer Median: -
#1928 of 2556
Bottom 24.6% in <100M tier