BlastPoint's Credit Union Scorecard
GREATER NEVADA
Charter #68228 · NV
GREATER NEVADA has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.14% above tier average
- + Fee Income Per Member: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 94.7% in tier
- - Deposit Outflow: Bottom 97.1% in tier
- - Indirect Auto Dependency: Bottom 98.2% in tier
- - Efficiency ratio 2.05% above tier (higher cost structure)
- - Delinquency rate 3.65% above tier average
- - Net Worth Ratio: Bottom 0.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.0% in tier
- - Asset Growth Rate: Bottom 2.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
89,066
+0.6% YoY+0.7% QoQ
|
-7.0K |
96,048
-2.7% YoY
|
32,180
+2.8% YoY
|
33,913
+5.7% YoY
|
54% |
| Assets |
$1.7B
-4.9% YoY+0.5% QoQ
|
$-29.3M |
$1.7B
+0.4% YoY
|
$671.4M
+1.9% YoY
|
$578.3M
+9.0% YoY
|
58% |
| Loans |
$1.3B
-4.7% YoY-0.1% QoQ
|
+$66.7M |
$1.2B
+0.2% YoY
|
$412.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
64% |
| Deposits |
$1.6B
-4.1% YoY+1.1% QoQ
|
+$149.8M |
$1.5B
+0.5% YoY
|
$596.1M
+1.1% YoY
|
$494.3M
+9.1% YoY
|
65% |
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| ROA |
0.9%
-1081.4% YoY-419.8% QoQ
|
+0.1% |
0.7%
+27.6% YoY
|
1.1%
+7.8% YoY
|
0.4%
-39.2% YoY
|
66% |
| NIM |
3.0%
+16.2% YoY+2.4% QoQ
|
-0.4% |
3.4%
+6.2% YoY
|
3.4%
+4.6% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
76.7%
-20.8% YoY-12.1% QoQ
|
+2.1% |
74.6%
-3.0% YoY
|
66.3%
-4.8% YoY
|
84.6%
+2.8% YoY
|
57% |
| Delinquency Rate |
4.4%
-38.3% YoY-9.0% QoQ
|
+3.6 |
0.8%
+6.9% YoY
|
0.7%
-19.9% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.0% in tier |
| Loan To Share |
79.3%
-0.6% YoY-1.2% QoQ
|
-3.9% |
83.2%
-0.4% YoY
|
62.0%
+3.3% YoY
|
65.6%
-1.4% YoY
|
32% |
| AMR |
$32,513
-5.0% YoY-0.2% QoQ
|
+$3K |
$29,652
+2.3% YoY
|
$29,327
+2.2% YoY
|
$19,920
+1.6% YoY
|
74% |
| CD Concentration |
23.6%
-12.8% YoY-4.6% QoQ
|
-5.2% | 28.8% | 17.9% | 19.8% | 27% |
| Indirect Auto % |
15.8%
-14.4% YoY+0.2% QoQ
|
-2.3% | 18.1% | 23.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)