BlastPoint's Credit Union Scorecard
NUEVA ESPERANZA COMMUNITY
Charter #68603 · OH
2596 CUs in <100M nationally
121 in OH
NUEVA ESPERANZA COMMUNITY has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.09% above tier average
- + Net Interest Margin 1.26% above tier average
- + Strong member growth: 15.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.3% in tier
- + Net Worth Ratio: Top 1.2% in tier
- + Member Growth Rate: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.44% above tier average
- - AMR Growth Rate: Bottom 4.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.7% in tier
- - Deposit Growth Rate: Bottom 7.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
712
+15.4% YoY+4.7% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
20% |
| Assets |
$4.4M
+0.6% YoY-1.1% QoQ
|
$-25.4M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
17% |
| Loans |
$3.0M
+7.1% YoY+2.5% QoQ
|
$-12.8M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$2.2M
-10.1% YoY-2.7% QoQ
|
$-23.3M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.4% in tier |
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| ROA |
1.8%
-288.9% YoY+88.7% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Top 13.2% in tier |
| NIM |
5.2%
+0.7% YoY+1.8% QoQ
|
+1.3% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Top 10.8% in tier |
| Efficiency Ratio |
64.2%
-22.2% YoY-12.9% QoQ
|
-17.1% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
20% |
| Delinquency Rate |
6.0%
-20.8% YoY+0.0% QoQ
|
+4.4 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 4.7% in tier |
| Loan To Share |
136.7%
+19.1% YoY+5.3% QoQ
|
+75.4% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 0.5% in tier |
| AMR |
$7,207
-14.1% YoY-4.3% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration |
0.7%
+13.7% YoY+4.5% QoQ
|
-23.7% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
8
Loan-to-Share Ratio
balance_sheet
Value:
136.65%
Peer Avg: -
#8 of 2596
Top 0.3% in <100M tier
32
Net Worth Ratio
risk
Value:
46.59%
Peer Avg: -
#32 of 2596
Top 1.2% in <100M tier
63
Member Growth Rate
growth
Value:
15.40%
Peer Avg: -
#63 of 2596
Top 2.4% in <100M tier
280
Net Interest Margin (NIM)
profitability
Value:
5.20%
Peer Avg: -
#280 of 2596
Top 10.7% in <100M tier
332
Fee Income Per Member
profitability
Value:
$156.96
Peer Avg: -
#332 of 2596
Top 12.8% in <100M tier
342
Return on Assets (ROA)
profitability
Value:
1.77%
Peer Avg: -
#342 of 2596
Top 13.1% in <100M tier
412
Loan Growth Rate
growth
Value:
7.10%
Peer Avg: -
#412 of 2596
Top 15.8% in <100M tier
526
Efficiency Ratio
profitability
Value:
64.25%
Peer Avg: -
#526 of 2596
Top 20.2% in <100M tier
641
Share Certificate Concentration (%)
balance_sheet
Value:
0.74%
Peer Avg: -
#641 of 2596
Top 24.7% in <100M tier
Top Weaknesses (10 metrics)
2487
AMR Growth Rate
growth
Value:
-14.12%
Peer Avg: -
#2487 of 2596
Bottom 4.2% in <100M tier
2475
Total Delinquency Rate (60+ days)
risk
Value:
5.95%
Peer Avg: -
#2475 of 2596
Bottom 4.7% in <100M tier
2408
Deposit Growth Rate
growth
Value:
-10.06%
Peer Avg: -
#2408 of 2596
Bottom 7.3% in <100M tier
2274
Total Deposits
balance_sheet
Value:
$2.17M
Peer Avg: -
#2274 of 2596
Bottom 12.4% in <100M tier
2186
Average Member Relationship (AMR)
engagement
Value:
$7,207
Peer Avg: -
#2186 of 2596
Bottom 15.8% in <100M tier
2145
Total Assets
balance_sheet
Value:
$4.45M
Peer Avg: -
#2145 of 2596
Bottom 17.4% in <100M tier
2070
Total Members
engagement
Value:
712
Peer Avg: -
#2070 of 2596
Bottom 20.3% in <100M tier
2052
Net Charge-Off Rate
risk
Value:
0.72%
Peer Avg: -
#2052 of 2596
Bottom 21.0% in <100M tier
2001
Members Per Employee (MPE)
engagement
Value:
237.333
Peer Avg: -
#2001 of 2596
Bottom 23.0% in <100M tier
1983
Total Loans
balance_sheet
Value:
$2.96M
Peer Avg: -
#1983 of 2596
Bottom 23.7% in <100M tier