BlastPoint's Credit Union Scorecard
NICKEL STEEL
Charter #9000 · OH
NICKEL STEEL has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.23% above tier average
- + Net Interest Margin 1.30% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.04% above tier (higher cost structure)
- - Delinquency rate 0.92% above tier average
- - Member decline: -2.4% YoY
- - Deposit Growth Rate: Bottom 2.5% in tier
- - Asset Growth Rate: Bottom 4.6% in tier
- - AMR Growth Rate: Bottom 5.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
524
-2.4% YoY-0.2% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 14.4% in tier |
| Assets |
$5.5M
-10.8% YoY-0.1% QoQ
|
$-24.4M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$2.3M
-13.1% YoY-3.4% QoQ
|
$-13.4M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
20% |
| Deposits |
$3.7M
-15.9% YoY-0.3% QoQ
|
$-21.7M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
0.9%
-55.8% YoY-14.7% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
5.2%
-7.1% YoY-1.9% QoQ
|
+1.3% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Top 10.4% in tier |
| Efficiency Ratio |
84.4%
+28.2% YoY+3.4% QoQ
|
+3.0% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
65% |
| Delinquency Rate |
2.4%
-10.6% YoY+1269.1% QoQ
|
+0.9 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
84% |
| Loan To Share |
62.8%
+3.3% YoY-3.1% QoQ
|
+1.6% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
52% |
| AMR |
$11,583
-12.7% YoY-1.3% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
37% |
| CD Concentration |
13.4%
-31.6% YoY+1.3% QoQ
|
-11.0% |
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)
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)