BlastPoint's Credit Union Scorecard
GREATER NEVADA
Charter #68228 · NV
GREATER NEVADA has 1 strength but faces 15 concerns
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How does NV stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 10.6% in tier
- - Shrinking Wallet Share: Bottom 19.5% in tier
- - Accelerating Exit Risk: Bottom 25.0% in tier
- - Deposit Outflow: Bottom 26.1% in tier
- - Indirect Auto Dependency: Bottom 32.1% in tier
- - Stagnation Risk: Bottom 33.0% in tier
- - Membership Headwinds: Bottom 34.7% in tier
- - ROA 0.43% below tier average
- - Efficiency ratio 11.08% above tier (higher cost structure)
- - Delinquency rate 4.84% above tier average
- - Net Worth Ratio: Bottom 0.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.7% in tier
- - Asset Growth Rate: Bottom 3.9% in tier
- - Deposit Growth Rate: Bottom 3.9% in tier
- - Net Charge-Off Rate: Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
88,687
-0.5% YoY+0.2% QoQ
|
-10.0K |
98,678
-1.9% YoY
|
31,753
+2.4% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$1.7B
-6.3% YoY-2.4% QoQ
|
$-32.9M |
$1.7B
+0.5% YoY
|
$652.3M
+3.7% YoY
|
$547.7M
+7.8% YoY
|
58% |
| Loans |
$1.3B
-0.1% YoY+1.0% QoQ
|
+$101.0M |
$1.2B
+0.5% YoY
|
$403.3M
+6.9% YoY
|
$388.7M
+8.6% YoY
|
65% |
| Deposits |
$1.6B
-4.4% YoY-2.3% QoQ
|
+$135.6M |
$1.5B
+1.3% YoY
|
$580.1M
+3.6% YoY
|
$464.6M
+9.3% YoY
|
64% |
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| ROA |
0.3%
-243.2% YoY-33.6% QoQ
|
-0.4% |
0.7%
+13.4% YoY
|
1.0%
-0.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.5% in tier |
| NIM |
3.1%
+24.2% YoY+0.1% QoQ
|
-0.2% |
3.3%
+9.3% YoY
|
3.3%
+3.9% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
85.0%
-1.5% YoY+0.6% QoQ
|
+11.1% |
74.0%
-10.9% YoY
|
67.2%
-0.6% YoY
|
79.1%
-3.3% YoY
|
Top 9.2% in tier |
| Delinquency Rate |
5.7%
-6.1% YoY+7.3% QoQ
|
+4.8 |
0.8%
+6.1% YoY
|
0.9%
+2.2% YoY
|
1.2%
-0.9% YoY
|
Top 0.7% in tier |
| Loan To Share |
83.9%
+4.4% YoY+3.4% QoQ
|
-1.3% |
85.2%
-0.8% YoY
|
63.1%
+0.5% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$32,970
-2.0% YoY-1.0% QoQ
|
+$4K |
$29,172
+2.8% YoY
|
$28,845
+4.1% YoY
|
$19,418
+1.3% YoY
|
77% |
| CD Concentration |
25.0%
-12.7% YoY+4.3% QoQ
|
-3.9% |
29.0%
+0.7% YoY
|
18.3%
+6.3% YoY
|
19.6%
+6.2% YoY
|
33% |
| Indirect Auto % |
16.1%
-23.3% YoY-15.2% QoQ
|
-2.7% |
18.8%
-3.0% YoY
|
22.8%
-3.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (7)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)