BlastPoint's Banking Scorecard
Nelnet Bank
Draper, UT
Nelnet Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 29.03% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.11% above tier average
- - Non-Interest-Bearing Deposit Share 21.29% below tier average
- - Non-Interest Income / Assets 0.21% below tier average
- - ROA 0.26% below tier average
- - Net Interest Margin 0.60% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.5B
+48.9% YoY
+21.5% QoQ
|
-$300.1M |
$2.8B
-0.1% YoY
|
$31.5B
+16.1% YoY
|
$6.2B
+9.1% YoY
|
61% |
| Total Loans ? |
$1.2B
+66.4% YoY
+32.8% QoQ
|
-$728.7M |
$2.0B
+0.6% YoY
|
$18.8B
+6.7% YoY
|
$3.2B
+10.8% YoY
|
44% |
| Total Deposits ? |
$2.0B
+41.6% YoY
+11.0% QoQ
|
-$386.6M |
$2.3B
-0.3% YoY
|
$24.2B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
58% |
| Return on Assets ? |
1.11%
+26.4% YoY
+42.7% QoQ
|
-0.26% |
1.37%
+19.6% YoY
|
2.19%
+3.7% YoY
|
1.23%
+13.4% YoY
|
41% |
| Net Interest Margin ? |
3.22%
-1.5% YoY
-6.1% QoQ
|
-0.60% |
3.82%
+6.9% YoY
|
7.79%
+9.7% YoY
|
3.89%
+5.7% YoY
|
25% |
| Efficiency Ratio ? |
32.03%
-28.7% YoY
-21.5% QoQ
|
-29.03% |
61.06%
-4.6% YoY
|
105.45%
+9.4% YoY
|
66.95%
-4.1% YoY
|
Top 2.9% in tier |
| Delinquency Rate ? |
2.00%
+121.9% YoY
+73.4% QoQ
|
+1.11% |
0.89%
+14.1% YoY
|
1.46%
+7.1% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.7% in tier |
| Loan-to-Deposit Ratio ? |
63.17%
+17.5% YoY
+19.7% QoQ
|
-21.03% |
84.20%
+0.3% YoY
|
84.36%
+3.4% YoY
|
76.70%
+0.9% YoY
|
Top 10.5% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -21.29% |
21.29%
-2.5% YoY
|
17.87%
+4.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 0.5% in tier |
| Nonperforming Asset Ratio ? |
0.98%
+147.9% YoY
+89.5% QoQ
|
+0.31% |
0.67%
+15.6% YoY
|
1.01%
+17.9% YoY
|
0.67%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
15.02%
+18.9% YoY
+3.9% QoQ
|
-0.14% |
15.16%
+2.0% YoY
|
22.97%
+16.9% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.05%
+591.7% YoY
-26.3% QoQ
|
-0.21% |
0.26%
+1.6% YoY
|
1.04%
+5.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 9.0% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.