CHURCHILL COUNTY

Charter #11824 | NV

<100M (2596 CUs) Micro
2 <100M in NV

CHURCHILL COUNTY has 5 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.16% above tier average
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Efficiency Ratio: Top 1.0% in tier
  • + Members Per Employee (MPE): Top 1.0% in tier
  • + Average Member Relationship (AMR): Top 4.9% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 0.11% above tier average
  • - Member decline: -3.2% YoY
  • - Indirect Auto Concentration (%): Bottom 1.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Members 3,023
-3.2% YoY-0.8% QoQ
 +397 2,625
-2.2% YoY
 31,753
+2.4% YoY
 33,089
+6.1% YoY
 67th in tier
Assets $73.4M
+5.9% YoY+0.2% QoQ
 +$43.6M $29.9M
+1.1% YoY
 $652.3M
+3.7% YoY
 $547.7M
+7.8% YoY
 Top 10.4% in tier
Loans $28.1M
-13.4% YoY-2.9% QoQ
 +$12.3M $15.8M
-2.4% YoY
 $403.3M
+6.9% YoY
 $388.7M
+8.6% YoY
 Top 20.1% in tier
Deposits $58.4M
+5.1% YoY-0.2% QoQ
 +$32.9M $25.5M
+0.4% YoY
 $580.1M
+3.6% YoY
 $464.6M
+9.3% YoY
 Top 12.6% in tier
ROA 1.8%
+63.3% YoY-13.3% QoQ
 +1.2% 0.7%
-731.4% YoY
 1.0%
-0.0% YoY
 0.7%
+273.4% YoY
 Top 12.1% in tier
NIM 2.9%
+21.5% YoY-0.9% QoQ
 -1.0% 3.9%
+3.8% YoY
 3.3%
+3.9% YoY
 3.7%
+5.0% YoY
 Bottom 15.5% in tier
Efficiency Ratio 29.2%
-24.1% YoY+2.0% QoQ
 -52.2% 81.4%
-2.4% YoY
 67.2%
-0.6% YoY
 79.1%
-3.3% YoY
 Bottom 1.0% in tier
Delinquency Rate 1.6%
+29.1% YoY+33.9% QoQ
 +0.1 1.5%
-2.0% YoY
 0.9%
+2.2% YoY
 1.2%
-0.9% YoY
 74th in tier
Loan To Share 48.1%
-17.6% YoY-2.8% QoQ
 -13.1% 61.2%
-3.0% YoY
 63.1%
+0.5% YoY
 68.0%
-1.7% YoY
 30th in tier
AMR $28,599
+1.5% YoY-0.3% QoQ
 +$14K $14,627
-2.7% YoY
 $28,845
+4.1% YoY
 $19,418
+1.3% YoY
 Top 4.9% in tier
CD Concentration 24.8%
+43.8% YoY+5.0% QoQ
 +0.4% 24.4%
+4.2% YoY
 18.3%
+6.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 47.5%
-3.8% YoY+0.6% QoQ
 +33.5% 14.0%
-5.8% YoY
 22.8%
-3.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2596 peers in tier

Top Strengths (12 metrics)

1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
26
Efficiency Ratio
profitability
Value: 29.23%
Peer Avg: 81.39%
#26 of 2596 Top 1.0% in <100M tier
27
Members Per Employee (MPE)
engagement
Value: 1007.667
Peer Avg: 365.701
#27 of 2596 Top 1.0% in <100M tier
127
Average Member Relationship (AMR)
engagement
Value: $28,599
Peer Avg: $14,627
#127 of 2596 Top 4.9% in <100M tier
270
Total Assets
balance_sheet
Value: $73.43M
Peer Avg: $29.86M
#270 of 2596 Top 10.4% in <100M tier
291
Loan-to-Member Ratio (LMR)
engagement
Value: $9,287
Peer Avg: $5,488
#291 of 2596 Top 11.2% in <100M tier
313
Return on Assets (ROA)
profitability
Value: 1.84%
Peer Avg: 0.68%
#313 of 2596 Top 12.0% in <100M tier
327
Total Deposits
balance_sheet
Value: $58.38M
Peer Avg: $25.45M
#327 of 2596 Top 12.6% in <100M tier
522
Total Loans
balance_sheet
Value: $28.08M
Peer Avg: $15.77M
#522 of 2596 Top 20.1% in <100M tier
532
Net Worth Ratio
risk
Value: 20.51%
Peer Avg: 16.43%
#532 of 2596 Top 20.5% in <100M tier

Top Weaknesses (4 metrics)

2547
Indirect Auto Concentration (%)
balance_sheet
Value: 47.50%
Peer Avg: 2.84%
#2547 of 2596 Bottom 1.9% in <100M tier
2241
Loan Growth Rate
growth
Value: -13.36%
Peer Avg: 59.01%
#2241 of 2596 Bottom 13.7% in <100M tier
2193
Net Interest Margin (NIM)
profitability
Value: 2.90%
Peer Avg: 3.93%
#2193 of 2596 Bottom 15.6% in <100M tier
1962
Share Certificate Concentration (%)
balance_sheet
Value: 24.78%
Peer Avg: 15.37%
#1962 of 2596 Bottom 24.5% in <100M tier