BlastPoint's Credit Union Scorecard

NUSENDA

Charter #948 · NM

Mid-Market 3B-5B

76 CUs in 3B-5B nationally 2 in NM

View Mid-Market leaderboard →

NUSENDA has 5 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NM Analysis

How does NM stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 77.6% in tier
+ Net Interest Margin 0.32% above tier average
+ Total Assets: Top 1.3% in tier
+ Total Deposits: Top 2.6% in tier
+ First Mortgage Concentration (%): Top 7.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 16.2% in tier
- Credit Risk Growth: Bottom 47.9% in tier
- Indirect Auto Dependency: Bottom 79.0% in tier
- ROA 0.28% below tier average
- Efficiency ratio 6.11% above tier (higher cost structure)
- Delinquency rate 0.11% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	291,818 +4.4% YoY+1.0% QoQ	+61.5K	230,353 -2.9% YoY	30,637 +9.7% YoY	33,374 +5.7% YoY	83%
Assets	$4.9B +4.5% YoY+1.3% QoQ	+$949.3M	$3.9B +0.3% YoY	$552.5M +15.5% YoY	$561.6M +9.7% YoY	Top 2.6% in tier
Loans	$3.4B +3.0% YoY+0.9% QoQ	+$470.6M	$2.9B -0.2% YoY	$373.6M +15.3% YoY	$397.0M +8.8% YoY	76%
Deposits	$4.3B +5.7% YoY+1.1% QoQ	+$948.6M	$3.3B -0.3% YoY	$467.0M +13.7% YoY	$477.3M +9.7% YoY	Top 3.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% -24.9% YoY-21.2% QoQ	-0.3%	0.7% +16.8% YoY	0.9% +81.1% YoY	0.7% +15.9% YoY	22%
NIM	3.5% +22.3% YoY-2.1% QoQ	+0.3%	3.1% +9.8% YoY	3.9% +5.3% YoY	3.8% +5.1% YoY	63%
Efficiency Ratio	77.5% -0.1% YoY+1.2% QoQ	+6.1%	71.4% -1.4% YoY	74.2% -10.1% YoY	79.7% -3.3% YoY	79%
Delinquency Rate	1.0% +56.7% YoY+62.3% QoQ	+0.1	0.9% +5.8% YoY	1.0% -7.4% YoY	1.3% -2.1% YoY	72%
Loan To Share	80.0% -2.5% YoY-0.2% QoQ	-9.0%	88.9% -0.2% YoY	71.2% -0.7% YoY	67.4% -1.7% YoY	22%
AMR	$26,267 +0.1% YoY-0.0% QoQ	$-3K	$29,682 +1.5% YoY	$20,852 +6.0% YoY	$19,687 +2.0% YoY	36%
CD Concentration	24.7% +12.8% YoY+1.9% QoQ	-4.3%	29.0%	24.1%	19.8%	32%
Indirect Auto %	27.3% -8.1% YoY-1.6% QoQ	+9.0%	18.3%	14.3%	7.8%	72%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#192 of 247 • Top 77.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.40%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Return on Assets: 0.44%

(Tier: 0.69%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 27.33%

(Tier: 18.31%, National: 7.78%)

but worse than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#35 of 211 • Bottom 16.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.36% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | New qualifier

Credit Risk Growth

risk

#79 of 164 • Bottom 47.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.05%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.36% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Indirect Auto Dependency

risk

#155 of 196 • Bottom 79.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.51%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 27.33%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 4.40%

(Tier: 3.43%, National: 4.32%)

but better than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 76 peers in tier

Top Strengths (5 metrics)

Total Assets

balance_sheet

Value: $4.89B

Peer Median: -

#2 of 76 Top 1.3% in 3B-5B tier

Total Deposits

balance_sheet

Value: $4.26B

Peer Median: -

#3 of 76 Top 2.6% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 15.40%

Peer Median: -

#7 of 76 Top 7.9% in 3B-5B tier

Total Members

engagement

Value: 291,818

Peer Median: -

#13 of 76 Top 15.8% in 3B-5B tier

Total Loans

balance_sheet

Value: $3.41B

Peer Median: -

#18 of 76 Top 22.4% in 3B-5B tier

Top Weaknesses (5 metrics)

Members Per Employee (MPE)

engagement

Value: 298.994

Peer Median: -

#65 of 76 Bottom 15.8% in 3B-5B tier

Net Worth Ratio

risk

Value: 9.13%

Peer Median: -

#62 of 76 Bottom 19.7% in 3B-5B tier

Efficiency Ratio

profitability

Value: 77.52%

Peer Median: -

#61 of 76 Bottom 21.1% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 0.44%

Peer Median: -

#59 of 76 Bottom 23.7% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 79.96%

Peer Median: -

#59 of 76 Bottom 23.7% in 3B-5B tier