BlastPoint's Credit Union Scorecard
SIERRA PACIFIC
Charter #1000 · NV
SIERRA PACIFIC has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
- + Share Certificate Concentration (%): Top 1.6% in tier
- + Members Per Employee (MPE): Top 3.8% in tier
- + First Mortgage Concentration (%): Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 4.2% in tier
- - Fee Income Per Member: Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,663
-0.1% YoY+0.9% QoQ
|
-5.0K |
15,628
-3.4% YoY
|
31,753
+2.4% YoY
|
33,089
+6.1% YoY
|
34% |
| Assets |
$182.3M
+7.0% YoY+3.6% QoQ
|
$-49.0M |
$231.3M
-0.0% YoY
|
$652.3M
+3.7% YoY
|
$547.7M
+7.8% YoY
|
45% |
| Loans |
$97.6M
-1.4% YoY-2.3% QoQ
|
$-50.2M |
$147.8M
-1.4% YoY
|
$403.3M
+6.9% YoY
|
$388.7M
+8.6% YoY
|
33% |
| Deposits |
$156.9M
+7.2% YoY+3.6% QoQ
|
$-43.4M |
$200.3M
-0.0% YoY
|
$580.1M
+3.6% YoY
|
$464.6M
+9.3% YoY
|
44% |
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| ROA |
1.0%
+9.5% YoY-7.2% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
1.0%
-0.0% YoY
|
0.7%
+273.4% YoY
|
66% |
| NIM |
3.3%
-2.3% YoY+1.1% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
3.3%
+3.9% YoY
|
3.7%
+5.0% YoY
|
34% |
| Efficiency Ratio |
67.6%
+1.6% YoY+0.6% QoQ
|
-9.7% |
77.3%
-3.0% YoY
|
67.2%
-0.6% YoY
|
79.1%
-3.3% YoY
|
20% |
| Delinquency Rate |
0.4%
-46.1% YoY-6.6% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.9%
+2.2% YoY
|
1.2%
-0.9% YoY
|
27% |
| Loan To Share |
62.2%
-8.0% YoY-5.7% QoQ
|
-10.5% |
72.7%
-1.5% YoY
|
63.1%
+0.5% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$23,866
+3.8% YoY+0.4% QoQ
|
$-497 |
$24,363
+2.9% YoY
|
$28,845
+4.1% YoY
|
$19,418
+1.3% YoY
|
59% |
| CD Concentration |
0.8%
-89.3% YoY-48.0% QoQ
|
-23.6% |
24.4%
+4.2% YoY
|
18.3%
+6.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
34.5%
+4.0% YoY-2.3% QoQ
|
+20.6% |
14.0%
-5.7% YoY
|
22.8%
-3.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)