BlastPoint's Credit Union Scorecard
PAHRANAGAT VALLEY
Charter #12686 · NV
PAHRANAGAT VALLEY has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.05% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.8% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,153
-2.8% YoY-3.5% QoQ
|
-462 |
2,615
-1.9% YoY
|
31,880
+2.5% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$36.3M
+1.7% YoY-0.3% QoQ
|
+$6.1M |
$30.1M
+2.1% YoY
|
$660.6M
+4.0% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$14.8M
-2.9% YoY-1.3% QoQ
|
$-917K |
$15.8M
-1.3% YoY
|
$406.3M
+6.8% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$32.5M
+0.8% YoY-0.4% QoQ
|
+$6.9M |
$25.7M
+1.4% YoY
|
$587.0M
+2.8% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
0.7%
+71.0% YoY-20.0% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.9%
+27.5% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
3.0%
+6.8% YoY-6.7% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.3%
+5.5% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
78.3%
-11.2% YoY+5.7% QoQ
|
-4.2% |
82.6%
-2.3% YoY
|
68.1%
-5.4% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
0.8%
-19.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
45.6%
-3.7% YoY-0.9% QoQ
|
-15.0% |
60.6%
-3.1% YoY
|
62.7%
+2.7% YoY
|
67.4%
-1.7% YoY
|
27% |
| AMR |
$22,010
+2.5% YoY+2.9% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$29,144
+3.1% YoY
|
$19,687
+2.0% YoY
|
Top 14.6% in tier |
| CD Concentration |
14.3%
+11.1% YoY+4.2% QoQ
|
-10.1% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 22.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)