BlastPoint's Credit Union Scorecard

SIERRA PACIFIC

Charter #1000 · NV

100M-500M

1070 CUs in 100M-500M nationally 6 in NV

SIERRA PACIFIC has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

NV Analysis

How does NV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 50.0% in tier
+ ROA 0.35% above tier average
+ Share Certificate Concentration (%): Top 1.4% in tier
+ First Mortgage Concentration (%): Top 3.6% in tier
+ Members Per Employee (MPE): Top 5.0% in tier
+ Efficiency Ratio: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Loan Growth Rate: Bottom 6.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Members	10,886 +3.4% YoY+1.5% QoQ	-4.3K	15,145 -2.5% YoY	32,180 +2.8% YoY	33,913 +5.7% YoY	37%
Assets	$187.8M +6.3% YoY+1.1% QoQ	$-43.9M	$231.7M +0.8% YoY	$671.4M +1.9% YoY	$578.3M +9.0% YoY	46%
Loans	$93.3M -6.7% YoY-0.6% QoQ	$-50.9M	$144.1M +0.2% YoY	$412.3M +6.6% YoY	$402.4M +8.7% YoY	33%
Deposits	$161.9M +6.6% YoY+1.1% QoQ	$-39.2M	$201.1M +0.4% YoY	$596.1M +1.1% YoY	$494.3M +9.1% YoY	46%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% -20.0% YoY+16.6% QoQ	+0.4%	0.7% +5.1% YoY	1.1% +7.8% YoY	0.4% -39.2% YoY	74%
NIM	3.2% -2.4% YoY-2.2% QoQ	-0.4%	3.6% +4.6% YoY	3.4% +4.6% YoY	3.8% +4.1% YoY	25%
Efficiency Ratio	59.5% -5.1% YoY-13.4% QoQ	-18.6%	78.0% -1.7% YoY	66.3% -4.8% YoY	84.6% +2.8% YoY	Top 7.9% in tier
Delinquency Rate	0.7% +103.3% YoY+17.5% QoQ	+0.0	0.8% +7.1% YoY	0.7% -19.9% YoY	1.2% +3.4% YoY	60%
Loan To Share	57.6% -12.5% YoY-1.6% QoQ	-12.8%	70.4% -0.4% YoY	62.0% +3.3% YoY	65.6% -1.4% YoY	22%
AMR	$23,439 -2.0% YoY-1.0% QoQ	$-1K	$24,918 +2.7% YoY	$29,327 +2.2% YoY	$19,920 +1.6% YoY	53%
CD Concentration	0.8% -71.7% YoY-3.1% QoQ	-23.5%	24.3%	17.9%	19.8%	50%
Indirect Auto %	34.9% -1.0% YoY+5.7% QoQ	+21.1%	13.8%	23.4%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#62 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.08%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 3.42%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#180 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.37% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#163 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 6.34%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 34.88%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.42%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Margin Compression

decline

#58 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.08%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.35%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.27% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Shrinking Wallet Share

decline

#148 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.03%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (6 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 0.76%

Peer Median: 23.10%

#16 of 1070 Top 1.4% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 2.44%

Peer Median: 29.47%

#40 of 1070 Top 3.6% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 518.381

Peer Median: 309.176

#54 of 1070 Top 5.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 59.46%

Peer Median: 78.68%

#85 of 1070 Top 7.9% in 100M-500M tier

186

Member Growth Rate

growth

Value: 3.42%

Peer Median: -0.06%

#186 of 1070 Top 17.3% in 100M-500M tier

262

Deposit Growth Rate

growth

Value: 6.63%

Peer Median: 3.30%

#262 of 1070 Top 24.4% in 100M-500M tier

Top Weaknesses (5 metrics)

999

Loan Growth Rate

growth

Value: -6.73%

Peer Median: 2.93%

#999 of 1070 Bottom 6.7% in 100M-500M tier

949

AMR Growth Rate

growth

Value: -2.03%

Peer Median: 3.46%

#949 of 1070 Bottom 11.4% in 100M-500M tier

946

Indirect Auto Concentration (%)

balance_sheet

Value: 34.88%

Peer Median: 6.61%

#946 of 1070 Bottom 11.7% in 100M-500M tier

941

Fee Income Per Member

profitability

Value: $84.36

Peer Median: $154.95

#941 of 1070 Bottom 12.1% in 100M-500M tier

833

Loan-to-Share Ratio

balance_sheet

Value: 57.60%

Peer Median: 71.88%

#833 of 1070 Bottom 22.2% in 100M-500M tier