BlastPoint's Credit Union Scorecard
SIERRA PACIFIC
Charter #1000 · NV
SIERRA PACIFIC has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.17% above tier average
- + Share Certificate Concentration (%): Top 1.5% in tier
- + First Mortgage Concentration (%): Top 3.3% in tier
- + Members Per Employee (MPE): Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Loan Growth Rate: Bottom 6.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 4 that size in Nevada.
- Shares and deposits +7.9% year over year ($163M in shares and deposits).
- Membership: 10,929 members, +3.4% vs a year ago.
- Delinquency rate 0.57%.
- Return on assets 1.04%.
- Efficiency ratio 64.26% vs a 76.73% peer average.
- Loan-to-share ratio 57.25% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,929
+3.4% YoY+0.4% QoQ
|
-4.2K |
15,168
-2.6% YoY
|
30,953
-1.9% YoY
|
34,678
+6.6% YoY
|
37% |
| Assets |
$189.4M
+7.6% YoY+0.8% QoQ
|
$-42.6M |
$232.0M
+0.7% YoY
|
$560.7M
-15.0% YoY
|
$593.1M
+10.2% YoY
|
48% |
| Loans |
$93.6M
-6.4% YoY+0.3% QoQ
|
$-52.7M |
$146.3M
+0.2% YoY
|
$340.9M
-13.9% YoY
|
$418.6M
+10.1% YoY
|
32% |
| Deposits |
$163.4M
+7.9% YoY+0.9% QoQ
|
$-37.3M |
$200.7M
+0.2% YoY
|
$498.9M
-14.9% YoY
|
$504.8M
+10.3% YoY
|
47% |
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| ROA |
1.0%
-3.9% YoY-4.0% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
1.1%
+13.3% YoY
|
1.2%
+121.4% YoY
|
67% |
| NIM |
3.2%
-2.0% YoY+0.7% QoQ
|
-0.5% |
3.7%
+4.5% YoY
|
3.5%
+6.2% YoY
|
3.8%
+2.3% YoY
|
23% |
| Efficiency Ratio |
64.3%
-4.4% YoY+8.1% QoQ
|
-12.5% |
76.7%
-0.8% YoY
|
64.7%
-5.7% YoY
|
83.0%
-5.3% YoY
|
Top 14.4% in tier |
| Delinquency Rate |
0.6%
+35.8% YoY-22.3% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
1.0%
+20.8% YoY
|
1.3%
+2.6% YoY
|
42% |
| Loan To Share |
57.3%
-13.2% YoY-0.6% QoQ
|
-14.3% |
71.5%
-0.3% YoY
|
62.4%
+0.7% YoY
|
66.4%
-1.4% YoY
|
21% |
| AMR |
$23,511
-1.1% YoY+0.3% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$25,344
-12.5% YoY
|
$20,028
-0.9% YoY
|
53% |
| CD Concentration |
0.6%
-59.2% YoY-17.5% QoQ
|
-23.9% | 24.6% | 18.1% | 20.0% | 50% |
| Indirect Auto % |
33.5%
-5.4% YoY-4.1% QoQ
|
+19.8% | 13.6% | 25.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)