BlastPoint's Credit Union Scorecard
SIERRA PACIFIC
Charter #1000 · NV
SIERRA PACIFIC has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.8% in tier
- + Emerging Performer: Top 58.6% in tier
- + ROA 0.17% above tier average
- + Share Certificate Concentration (%): Top 1.6% in tier
- + First Mortgage Concentration (%): Top 2.9% in tier
- + Members Per Employee (MPE): Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 27.3% in tier
- - Shrinking Wallet Share: Bottom 82.1% in tier
- - Credit Quality Pressure: Bottom 83.1% in tier
- - Fee Income Per Member: Bottom 6.8% in tier
- - Loan Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,730
+3.3% YoY+0.6% QoQ
|
-4.7K |
15,437
-2.9% YoY
|
31,880
+2.5% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$185.8M
+8.1% YoY+1.9% QoQ
|
$-46.0M |
$231.9M
+1.3% YoY
|
$660.6M
+4.0% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$93.8M
-6.5% YoY-3.9% QoQ
|
$-53.6M |
$147.3M
-0.1% YoY
|
$406.3M
+6.8% YoY
|
$397.0M
+8.8% YoY
|
31% |
| Deposits |
$160.1M
+7.9% YoY+2.1% QoQ
|
$-40.7M |
$200.8M
+0.8% YoY
|
$587.0M
+2.8% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
0.9%
+24.5% YoY-7.5% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.9%
+27.5% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
3.3%
-4.0% YoY-1.6% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
3.3%
+5.5% YoY
|
3.8%
+5.1% YoY
|
31% |
| Efficiency Ratio |
68.7%
-2.3% YoY+1.6% QoQ
|
-8.3% |
77.0%
-3.1% YoY
|
68.1%
-5.4% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.6%
+10.0% YoY+59.3% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
0.8%
-19.2% YoY
|
1.3%
-2.1% YoY
|
43% |
| Loan To Share |
58.6%
-13.3% YoY-5.9% QoQ
|
-13.7% |
72.2%
-1.1% YoY
|
62.7%
+2.7% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$23,664
-1.2% YoY-0.8% QoQ
|
$-1K |
$24,676
+3.4% YoY
|
$29,144
+3.1% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
0.8%
-86.4% YoY-1.7% QoQ
|
-23.6% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
33.0%
+0.2% YoY-4.5% QoQ
|
+19.2% | 13.8% | 22.8% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)