BlastPoint's Credit Union Scorecard

PAHRANAGAT VALLEY

Charter #12686 · NV

<100M

2508 CUs in <100M nationally 2 in NV

PAHRANAGAT VALLEY demonstrates 4 strengths

National Analysis

How does the industry compare?

NV Analysis

How does NV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.55% above tier average
+ Total Delinquency Rate (60+ days): Top 0.1% in tier
+ Asset Growth Rate: Top 7.9% in tier
+ Deposit Growth Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Members	2,241 -1.5% YoY+4.1% QoQ	-435	2,676 +1.6% YoY	32,180 +2.8% YoY	33,913 +5.7% YoY	57%
Assets	$38.7M +9.6% YoY+6.5% QoQ	+$8.5M	$30.2M +1.3% YoY	$671.4M +1.9% YoY	$578.3M +9.0% YoY	68%
Loans	$14.6M -4.2% YoY-1.5% QoQ	$-664K	$15.3M -2.0% YoY	$412.3M +6.6% YoY	$402.4M +8.7% YoY	61%
Deposits	$34.8M +9.4% YoY+7.0% QoQ	+$9.0M	$25.8M +0.7% YoY	$596.1M +1.1% YoY	$494.3M +9.1% YoY	69%

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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	0.7% -7.3% YoY+3.8% QoQ	+0.5%	0.1% -77.6% YoY	1.1% +7.8% YoY	0.4% -39.2% YoY	55%
NIM	3.1% -1.2% YoY+4.2% QoQ	-0.9%	4.0% +4.0% YoY	3.4% +4.6% YoY	3.8% +4.1% YoY	23%
Efficiency Ratio	80.7% +0.5% YoY+3.0% QoQ	-10.0%	90.6% +6.5% YoY	66.3% -4.8% YoY	84.6% +2.8% YoY	48%
Delinquency Rate	0.0% -100.0% YoY	-1.5	1.5% +3.8% YoY	0.7% -19.9% YoY	1.2% +3.4% YoY	Top 0.1% in tier
Loan To Share	42.0% -12.4% YoY-8.0% QoQ	-16.5%	58.5% -3.0% YoY	62.0% +3.3% YoY	65.6% -1.4% YoY	24%
AMR	$22,062 +6.6% YoY+0.2% QoQ	+$7K	$14,884 -1.7% YoY	$29,327 +2.2% YoY	$19,920 +1.6% YoY	85%
CD Concentration	14.6% +3.9% YoY+2.0% QoQ	-9.7%	24.3%	17.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	23.4%	7.7%	50%

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: 0.65%

#1 of 2508 Top 0.1% in <100M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

198

Asset Growth Rate

growth

Value: 9.64%

Peer Median: 1.30%

#198 of 2508 Top 7.9% in <100M tier

237

Deposit Growth Rate

growth

Value: 9.40%

Peer Median: 0.66%

#237 of 2508 Top 9.4% in <100M tier

382

Average Member Relationship (AMR)

engagement

Value: $22,062

Peer Median: $13,926

#382 of 2508 Top 15.2% in <100M tier

461

AMR Growth Rate

growth

Value: 6.58%

Peer Median: 1.27%

#461 of 2508 Top 18.3% in <100M tier

Top Weaknesses (4 metrics)

2138

Net Worth Ratio

risk

Value: 9.68%

Peer Median: 14.28%

#2138 of 2508 Bottom 14.8% in <100M tier

2058

First Mortgage Concentration (%)

balance_sheet

Value: 33.34%

Peer Median: 3.66%

#2058 of 2508 Bottom 18.0% in <100M tier

1940

Net Interest Margin (NIM)

profitability

Value: 3.15%

Peer Median: 3.83%

#1940 of 2508 Bottom 22.7% in <100M tier

1903

Loan-to-Share Ratio

balance_sheet

Value: 41.97%

Peer Median: 58.72%

#1903 of 2508 Bottom 24.2% in <100M tier