BlastPoint's Credit Union Scorecard
GREATER NEVADA
Charter #68228 · NV
GREATER NEVADA has 1 strength but faces 14 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 1.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 22.5% in tier
- - Deposit Outflow: Bottom 33.3% in tier
- - Shrinking Wallet Share: Bottom 35.9% in tier
- - Indirect Auto Dependency: Bottom 99.5% in tier
- - ROA 0.95% below tier average
- - Efficiency ratio 13.14% above tier (higher cost structure)
- - Delinquency rate 3.95% 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 5.3% in tier
- - Deposit Growth Rate: Bottom 5.6% in tier
- - Loan Growth Rate: Bottom 6.3% in tier
- - AMR Growth Rate: Bottom 7.6% in tier
- - Net Charge-Off Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
88,408
-0.3% YoY-0.3% QoQ
|
-9.0K |
97,431
-2.4% YoY
|
31,880
+2.5% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$1.7B
-3.5% YoY-0.2% QoQ
|
$-40.3M |
$1.7B
+0.9% YoY
|
$660.6M
+4.0% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$1.3B
-5.2% YoY-4.0% QoQ
|
+$46.9M |
$1.2B
+0.5% YoY
|
$406.3M
+6.8% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$1.6B
-3.2% YoY+0.5% QoQ
|
+$138.2M |
$1.5B
+0.9% YoY
|
$587.0M
+2.8% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
-0.3%
-87.3% YoY-198.7% QoQ
|
-1.0% |
0.7%
+20.9% YoY
|
0.9%
+27.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.3% in tier |
| NIM |
2.9%
+15.5% YoY-5.1% QoQ
|
-0.4% |
3.3%
+9.2% YoY
|
3.3%
+5.5% YoY
|
3.8%
+5.1% YoY
|
25% |
| Efficiency Ratio |
87.2%
-24.2% YoY+2.5% QoQ
|
+13.1% |
74.1%
-9.5% YoY
|
68.1%
-5.4% YoY
|
79.7%
-3.3% YoY
|
Top 5.3% in tier |
| Delinquency Rate |
4.8%
-33.9% YoY-14.5% QoQ
|
+3.9 |
0.9%
+6.2% YoY
|
0.8%
-19.2% YoY
|
1.3%
-2.1% YoY
|
Top 1.0% in tier |
| Loan To Share |
80.2%
-2.1% YoY-4.4% QoQ
|
-4.6% |
84.8%
-0.8% YoY
|
62.7%
+2.7% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$32,563
-3.8% YoY-1.2% QoQ
|
+$3K |
$29,428
+2.4% YoY
|
$29,144
+3.1% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
24.7%
-11.5% YoY-1.2% QoQ
|
-4.3% | 29.0% | 18.3% | 19.8% | 32% |
| Indirect Auto % |
15.7%
-20.6% YoY-2.0% QoQ
|
-2.6% | 18.3% | 22.8% | 7.8% | 49% |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)