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 1.85% above tier average
- + Net Interest Margin 0.96% above tier average
- + Strong member growth: 24.0% YoY
- + Loan-to-Share Ratio: Top 0.3% in tier
- + Net Worth Ratio: Top 1.0% in tier
- + Member Growth Rate: Top 1.3% in tier
- + Fee Income Per Member: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.32% above tier average
- - AMR Growth Rate: Bottom 1.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
810
+24.0% YoY-5.8% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
23% |
| Assets |
$4.4M
+0.2% YoY+0.2% QoQ
|
$-25.8M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$2.7M
-0.9% YoY-6.4% QoQ
|
$-12.6M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
23% |
| Deposits |
$2.2M
+1.7% YoY+1.3% QoQ
|
$-23.6M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.0% in tier |
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| ROA |
2.0%
+375.8% YoY+12.3% QoQ
|
+1.9% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
Top 6.4% in tier |
| NIM |
5.0%
+0.4% YoY-3.8% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
Top 12.4% in tier |
| Efficiency Ratio |
66.5%
-14.6% YoY+2.3% QoQ
|
-24.2% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
20% |
| Delinquency Rate |
1.8%
-67.1% YoY-64.6% QoQ
|
+0.3 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
79% |
| Loan To Share |
124.7%
-2.6% YoY-7.6% QoQ
|
+66.2% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 0.4% in tier |
| AMR |
$6,009
-19.2% YoY+2.8% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.8% in tier |
| CD Concentration |
0.5%
-31.0% YoY-1.0% QoQ
|
-23.8% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 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)