NUSENDA

Charter #948 | NM

3B-5B (76 CUs) Mid-Market (380 CUs)
2 3B-5B in NM

NUSENDA has 7 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 23.3% in tier
  • + Relationship Depth Leader: Top 24.2% in tier
  • + Wallet Share Momentum: Top 35.3% in tier
  • + Net Interest Margin 0.33% above tier average
  • + Total Assets: Top 5.3% in tier
  • + Total Deposits: Top 5.3% in tier
  • + First Mortgage Concentration (%): Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 30.0% in tier
  • - ROA 0.19% below tier average
  • - Efficiency ratio 5.31% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Members 288,896
+4.2% YoY+1.1% QoQ
 +50.4K 238,465
+0.6% YoY
 30,510
+9.1% YoY
 33,089
+6.1% YoY
 Top 21.1% in tier
Assets $4.8B
-2.2% YoY+0.7% QoQ
 +$855.4M $4.0B
-0.1% YoY
 $545.3M
+12.6% YoY
 $547.7M
+7.8% YoY
 Top 6.6% in tier
Loans $3.4B
+3.5% YoY-0.1% QoQ
 +$358.0M $3.0B
+3.3% YoY
 $367.9M
+14.8% YoY
 $388.7M
+8.6% YoY
 70th in tier
Deposits $4.2B
+6.4% YoY+1.7% QoQ
 +$881.9M $3.3B
+1.1% YoY
 $461.5M
+14.0% YoY
 $464.6M
+9.3% YoY
 Top 6.6% in tier
ROA 0.6%
-30.1% YoY+2.0% QoQ
 -0.2% 0.7%
+5.3% YoY
 0.9%
+49.5% YoY
 0.7%
+273.4% YoY
 29th in tier
NIM 3.5%
+27.2% YoY+1.1% QoQ
 +0.3% 3.2%
+13.7% YoY
 3.9%
+6.9% YoY
 3.7%
+5.0% YoY
 62nd in tier
Efficiency Ratio 76.6%
+2.5% YoY-0.7% QoQ
 +5.3% 71.3%
-0.6% YoY
 73.5%
-8.8% YoY
 79.1%
-3.3% YoY
 Top 21.1% in tier
Delinquency Rate 0.6%
-5.7% YoY-30.0% QoQ
 -0.2 0.8%
+15.9% YoY
 1.1%
+5.6% YoY
 1.2%
-0.9% YoY
 53rd in tier
Loan To Share 80.1%
-2.7% YoY-1.7% QoQ
 -10.7% 90.8%
+2.0% YoY
 71.6%
-0.2% YoY
 68.0%
-1.7% YoY
 Bottom 17.1% in tier
AMR $26,279
+0.8% YoY-0.2% QoQ
 $-3K $29,088
+0.1% YoY
 $20,672
+6.3% YoY
 $19,418
+1.3% YoY
 38th in tier
CD Concentration 24.3%
+12.0% YoY+3.7% QoQ
 -4.7% 29.0%
+0.8% YoY
 24.3%
+4.3% YoY
 19.6%
+6.2% YoY
 30th in tier
Indirect Auto % 27.8%
-10.0% YoY-2.3% QoQ
 +9.0% 18.8%
-2.8% YoY
 14.5%
+3.5% YoY
 7.9%
-2.9% YoY
 72nd in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#170 of 246 • Top 23.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.22%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.56%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 27.76%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#176 of 264 • Top 24.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 0.84%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.8K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#256 of 264 • Top 35.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 0.84%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (1)

Indirect Auto Dependency

risk
#186 of 202 • Bottom 30.0% in tier

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

Why This Signature
Asset Growth (YoY): -2.16%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 27.76%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.22%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 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)

Comparing against 76 peers in tier

Top Strengths (5 metrics)

5
Total Assets
balance_sheet
Value: $4.83B
Peer Avg: $3.97B
#5 of 76 Top 5.3% in 3B-5B tier
5
Total Deposits
balance_sheet
Value: $4.21B
Peer Avg: $3.33B
#5 of 76 Top 5.3% in 3B-5B tier
6
First Mortgage Concentration (%)
balance_sheet
Value: 15.20%
Peer Avg: 34.35%
#6 of 76 Top 6.6% in 3B-5B tier
16
Total Members
engagement
Value: 288,896
Peer Avg: 238,466
#16 of 76 Top 19.7% in 3B-5B tier
17
Share Certificate Concentration (%)
balance_sheet
Value: 24.27%
Peer Avg: 30.70%
#17 of 76 Top 21.1% in 3B-5B tier

Top Weaknesses (5 metrics)

66
Asset Growth Rate
growth
Value: -2.16%
Peer Avg: 7.42%
#66 of 76 Bottom 14.5% in 3B-5B tier
65
Members Per Employee (MPE)
engagement
Value: 303.144
Peer Avg: 433.941
#65 of 76 Bottom 15.8% in 3B-5B tier
63
Loan-to-Share Ratio
balance_sheet
Value: 80.12%
Peer Avg: 90.85%
#63 of 76 Bottom 18.4% in 3B-5B tier
61
Efficiency Ratio
profitability
Value: 76.58%
Peer Avg: 71.26%
#61 of 76 Bottom 21.1% in 3B-5B tier
61
Net Worth Ratio
risk
Value: 9.17%
Peer Avg: 10.75%
#61 of 76 Bottom 21.1% in 3B-5B tier