GREATER NEVADA

Charter #68228 | NV

1B-3B (304 CUs) Mid-Market (380 CUs)
4 1B-3B in NV

GREATER NEVADA has 2 strengths but faces 15 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 32.0% in tier
  • + Fee Income Per Member: Top 1.6% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 4.9% in tier
  • - Efficiency Drag: Bottom 10.6% in tier
  • - Shrinking Wallet Share: Bottom 19.5% in tier
  • - Accelerating Exit Risk: Bottom 25.0% 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
 50th in tier
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
 58th in tier
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
 65th in tier
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
 64th in tier
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
 32nd in tier
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
 38th in tier
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
 Top 22.7% in tier
CD Concentration 25.0%
-12.7% YoY+4.3% QoQ
 -3.9% 29.0%
+0.8% YoY
 18.3%
+6.3% YoY
 19.6%
+6.2% YoY
 33rd in tier
Indirect Auto % 16.1%
-23.3% YoY-15.2% QoQ
 -2.7% 18.8%
-2.8% YoY
 22.8%
-3.2% YoY
 7.9%
-2.9% YoY
 49th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#170 of 184 • Top 32.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.27%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -0.51%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | New qualifier

Concerns (7)

Deposit Outflow

decline
#7 of 25 • Bottom 4.9% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -4.39%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Total Assets: $1.69B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
25 of 380 Mid-Market CUs have this signature | 143 nationally
↓ Shrinking -42 CUs YoY | New qualifier

Efficiency Drag

risk
#36 of 96 • Bottom 10.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 85.05%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.46% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -0.51%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY

Shrinking Wallet Share

decline
#60 of 83 • Bottom 19.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.00%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | New qualifier

Accelerating Exit Risk

decline
#12 of 13 • Bottom 25.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -0.51%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -2.00%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
13 of 380 Mid-Market CUs have this signature | 73 nationally
↓ Shrinking -8 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#199 of 202 • Bottom 32.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -6.28%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 16.05%
(Tier: 18.80%, National: 7.90%)
but better than tier avg
Member Growth (YoY): -0.51%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Stagnation Risk

risk
#80 of 85 • Bottom 33.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.27%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.51%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $33.0K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 25.04%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Membership Headwinds

decline
#84 of 85 • Bottom 34.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.51%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

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 304 peers in tier

Top Strengths (2 metrics)

6
Fee Income Per Member
profitability
Value: $412.01
Peer Avg: $210.52
#6 of 304 Top 1.6% in 1B-3B tier
69
Average Member Relationship (AMR)
engagement
Value: $32,970
Peer Avg: $29,172
#69 of 304 Top 22.4% in 1B-3B tier

Top Weaknesses (9 metrics)

304
Net Worth Ratio
risk
Value: 5.39%
Peer Avg: 11.44%
#304 of 304 Bottom 0.3% in 1B-3B tier
303
Total Delinquency Rate (60+ days)
risk
Value: 5.67%
Peer Avg: 0.83%
#303 of 304 Bottom 0.7% in 1B-3B tier
293
Asset Growth Rate
growth
Value: -6.28%
Peer Avg: 4.83%
#293 of 304 Bottom 3.9% in 1B-3B tier
293
Deposit Growth Rate
growth
Value: -4.39%
Peer Avg: 5.58%
#293 of 304 Bottom 3.9% in 1B-3B tier
289
Net Charge-Off Rate
risk
Value: 1.40%
Peer Avg: 0.60%
#289 of 304 Bottom 5.3% in 1B-3B tier
277
Efficiency Ratio
profitability
Value: 85.05%
Peer Avg: 73.97%
#277 of 304 Bottom 9.2% in 1B-3B tier
266
Return on Assets (ROA)
profitability
Value: 0.27%
Peer Avg: 0.70%
#266 of 304 Bottom 12.8% in 1B-3B tier
257
AMR Growth Rate
growth
Value: -2.00%
Peer Avg: 3.29%
#257 of 304 Bottom 15.8% in 1B-3B tier
240
Members Per Employee (MPE)
engagement
Value: 294.641
Peer Avg: 364.953
#240 of 304 Bottom 21.4% in 1B-3B tier