BlastPoint's Credit Union Scorecard
NICKEL STEEL
Charter #9000 · OH
NICKEL STEEL has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.57% above tier average
- + Net Interest Margin 1.34% above tier average
- + Net Worth Ratio: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.16% above tier (higher cost structure)
- - Delinquency rate 3.66% above tier average
- - Member decline: -2.1% YoY
- - Total Delinquency Rate (60+ days): Bottom 5.9% in tier
- - Members Per Employee (MPE): Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
524
-2.1% YoY0% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 14.2% in tier |
| Assets |
$5.4M
-0.6% YoY-1.9% QoQ
|
$-24.8M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$2.3M
-12.9% YoY-0.1% QoQ
|
$-13.4M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$3.6M
-2.6% YoY-3.6% QoQ
|
$-22.1M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
1.2%
-45.7% YoY+29.8% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
5.3%
-12.8% YoY+1.0% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 9.3% in tier |
| Efficiency Ratio |
84.7%
+29.2% YoY+0.3% QoQ
|
+2.2% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
5.2%
+1722.9% YoY+114.2% QoQ
|
+3.7 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 5.9% in tier |
| Loan To Share |
65.0%
-10.6% YoY+3.6% QoQ
|
+4.4% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$11,324
-5.0% YoY-2.2% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
10.7%
-20.7% YoY-19.6% QoQ
|
-13.7% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 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)