BlastPoint's Credit Union Scorecard

NUSENDA

Charter #948 · NM

Mid-Market 3B-5B
78 CUs in 3B-5B nationally 2 in NM
View Mid-Market leaderboard →

NUSENDA has 4 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

  • + Net Interest Margin 0.55% above tier average
  • + Total Assets: Top 1.3% in tier
  • + Total Deposits: Top 1.3% in tier
  • + First Mortgage Concentration (%): Top 6.4% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 21.9% in tier
  • - Credit Quality Pressure: Bottom 22.4% in tier
  • - Indirect Auto Dependency: Bottom 44.7% in tier
  • - Credit Risk Growth: Bottom 68.9% in tier
  • - ROA 0.37% below tier average
  • - Efficiency ratio 10.08% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Members 295,895
+4.4% YoY+1.4% QoQ
 +75.5K 220,435
-7.6% YoY
 30,914
+5.7% YoY
 33,913
+5.7% YoY
 Top 14.1% in tier
Assets $5.0B
+5.5% YoY+1.7% QoQ
 +$1.1B $3.9B
-1.5% YoY
 $559.7M
+10.6% YoY
 $578.3M
+9.0% YoY
 Top 2.6% in tier
Loans $3.4B
+2.5% YoY+0.7% QoQ
 +$535.4M $2.9B
-1.1% YoY
 $378.7M
+12.3% YoY
 $402.4M
+8.7% YoY
 78%
Deposits $4.4B
+5.6% YoY+3.1% QoQ
 +$1.1B $3.3B
-2.5% YoY
 $478.4M
+9.0% YoY
 $494.3M
+9.1% YoY
 Top 2.6% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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%
+22.1% YoY-17.2% QoQ
 -0.4% 0.7%
+10.6% YoY
 0.8%
+125.8% YoY
 0.4%
-39.2% YoY
 20%
NIM 3.7%
+9.6% YoY+8.4% QoQ
 +0.5% 3.2%
+4.6% YoY
 3.9%
+3.5% YoY
 3.8%
+4.1% YoY
 81%
Efficiency Ratio 81.4%
+0.8% YoY+5.0% QoQ
 +10.1% 71.3%
-2.6% YoY
 76.9%
-4.0% YoY
 84.6%
+2.8% YoY
 82%
Delinquency Rate 0.8%
+25.3% YoY-20.0% QoQ
 +0.0 0.7%
+9.2% YoY
 0.9%
+18.5% YoY
 1.2%
+3.4% YoY
 68%
Loan To Share 78.1%
-3.0% YoY-2.4% QoQ
 -9.9% 88.0%
+0.9% YoY
 69.3%
+1.3% YoY
 65.6%
-1.4% YoY
 19%
AMR $26,429
-0.2% YoY+0.6% QoQ
 $-4K $30,672
+5.5% YoY
 $21,135
+4.9% YoY
 $19,920
+1.6% YoY
 36%
CD Concentration 24.6%
+11.6% YoY-0.7% QoQ
 -4.3% 28.8% 24.0% 19.8% 31%
Indirect Auto % 27.2%
-6.4% YoY-0.4% QoQ
 +9.1% 18.1% 14.3% 7.7% 72%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk
#85 of 225 • Bottom 22.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.16% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
225 of 384 Mid-Market CUs have this signature | 1013 nationally
→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#113 of 198 • Bottom 44.7% in tier

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

Why This Signature
Asset Growth (YoY): 5.52%
(Tier: 6.82%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 27.22%
(Tier: 18.07%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 4.39%
(Tier: 3.50%, National: 10.19%)
but better than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 CUs YoY | Rank worsening

Credit Risk Growth

risk
#122 of 183 • Bottom 68.9% in tier

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

Why This Signature
Loan Growth (YoY): 2.47%
(Tier: 6.71%, National: 1.74%)
worse than tier avg
Delinquency Change (YoY): 0.16% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
183 of 384 Mid-Market CUs have this signature | 710 nationally
→ No prior data (183 CUs now) | New qualifier

Efficiency Drag

risk
#72 of 100 • Bottom 21.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.36%
(Tier: 73.98%, National: 84.64%)
worse than tier avg
ROA Change (YoY): 0.07% points
(Tier: 0.14% points, National: -0.45% points)
worse than tier avg
Member Growth (YoY): 4.39%
(Tier: 3.50%, National: 10.19%)
but better than tier avg
100 of 384 Mid-Market CUs have this signature | 702 nationally
↓ Shrinking -38 CUs YoY | Rank improving

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 78 peers in tier

Top Strengths (6 metrics)

2
Total Assets
balance_sheet
Value: $4.97B
Peer Median: $3.94B
#2 of 78 Top 1.3% in 3B-5B tier
2
Total Deposits
balance_sheet
Value: $4.39B
Peer Median: $3.34B
#2 of 78 Top 1.3% in 3B-5B tier
6
First Mortgage Concentration (%)
balance_sheet
Value: 15.32%
Peer Median: 32.80%
#6 of 78 Top 6.4% in 3B-5B tier
11
Total Members
engagement
Value: 295,895
Peer Median: 212,824
#11 of 78 Top 12.8% in 3B-5B tier
15
Net Interest Margin (NIM)
profitability
Value: 3.75%
Peer Median: 3.23%
#15 of 78 Top 17.9% in 3B-5B tier
17
Total Loans
balance_sheet
Value: $3.43B
Peer Median: $2.92B
#17 of 78 Top 20.5% in 3B-5B tier

Top Weaknesses (5 metrics)

66
Net Worth Ratio
risk
Value: 9.01%
Peer Median: 10.59%
#66 of 78 Bottom 16.7% in 3B-5B tier
66
Members Per Employee (MPE)
engagement
Value: 303.171
Peer Median: 393.414
#66 of 78 Bottom 16.7% in 3B-5B tier
65
Efficiency Ratio
profitability
Value: 81.36%
Peer Median: 69.26%
#65 of 78 Bottom 17.9% in 3B-5B tier
63
Loan-to-Share Ratio
balance_sheet
Value: 78.07%
Peer Median: 90.65%
#63 of 78 Bottom 20.5% in 3B-5B tier
62
Return on Assets (ROA)
profitability
Value: 0.36%
Peer Median: 0.75%
#62 of 78 Bottom 21.8% in 3B-5B tier
Link copied to clipboard!