BlastPoint's Credit Union Scorecard

ONE NEVADA

Charter #68613 · NV

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 2 in NV

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ONE NEVADA has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NV Analysis

How does NV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.61% above tier average
+ Net Interest Margin 0.37% above tier average
+ Share Certificate Concentration (%): Top 2.3% in tier
+ Net Worth Ratio: Top 4.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 4.5% in tier
- Institutional Decline: Bottom 61.1% in tier
- Stagnation Risk: Bottom 78.8% in tier
- Membership Headwinds: Bottom 78.8% in tier
- Indirect Auto Dependency: Bottom 94.6% in tier
- Loan-to-Share Ratio: Bottom 2.7% in tier
- Total Loans: Bottom 5.0% in tier
- Loan-to-Member Ratio (LMR): Bottom 5.3% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 2 that size in Nevada.
Shares and deposits +0.2% year over year ($1.24B in shares and deposits).
Membership: 74,555 members, -1.0% vs a year ago.
Delinquency rate 0.31%.
Return on assets 1.43%.
Efficiency ratio 62.77% vs a 73.02% peer average.
Loan-to-share ratio 50.28% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Members	74,555 -1.0% YoY+0.3% QoQ	-22.3K	96,861 -1.9% YoY	30,953 -1.9% YoY	34,678 +6.6% YoY	33%
Assets	$1.5B -1.7% YoY-0.6% QoQ	$-221.6M	$1.7B +0.4% YoY	$560.7M -15.0% YoY	$593.1M +10.2% YoY	49%
Loans	$625.5M -0.9% YoY+1.3% QoQ	$-608.8M	$1.2B +0.7% YoY	$340.9M -13.9% YoY	$418.6M +10.1% YoY	Bottom 4.7% in tier
Deposits	$1.2B +0.2% YoY-1.1% QoQ	$-219.3M	$1.5B +0.5% YoY	$498.9M -14.9% YoY	$504.8M +10.3% YoY	45%

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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	1.4% -6.0% YoY+1.9% QoQ	+0.6%	0.8% +27.6% YoY	1.1% +13.3% YoY	1.2% +121.4% YoY	Top 9.3% in tier
NIM	3.8% +1.7% YoY+0.5% QoQ	+0.4%	3.4% +6.6% YoY	3.5% +6.2% YoY	3.8% +2.3% YoY	74%
Efficiency Ratio	62.8% -1.5% YoY-0.2% QoQ	-10.3%	73.0% -2.7% YoY	64.7% -5.7% YoY	83.0% -5.3% YoY	Top 13.0% in tier
Delinquency Rate	0.3% -9.9% YoY+44.8% QoQ	-0.6	0.9% +7.3% YoY	1.0% +20.8% YoY	1.3% +2.6% YoY	Top 10.3% in tier
Loan To Share	50.3% -1.1% YoY+2.4% QoQ	-34.4%	84.7% +0.1% YoY	62.4% +0.7% YoY	66.4% -1.4% YoY	Bottom 2.3% in tier
AMR	$25,076 +0.8% YoY-0.6% QoQ	$-4K	$29,575 +1.5% YoY	$25,344 -12.5% YoY	$20,028 -0.9% YoY	30%
CD Concentration	10.3% -4.6% YoY+2.2% QoQ	-18.8%	29.1%	18.1%	20.0%	Bottom 2.4% in tier
Indirect Auto %	16.5% -9.3% YoY-0.7% QoQ	-1.6%	18.1%	25.3%	7.7%	52%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Liquidity Overhang

risk

#4 of 15 • Bottom 4.5% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.73%

(Tier: 11.45%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 50.28%

(Tier: 85.94%, National: 66.39%)

worse than tier avg

15 of 377 Mid-Market CUs have this signature | 148 nationally

→ Stable (16→15 CUs) -1 CUs YoY | New qualifier

Stagnation Risk

risk

#72 of 86 • Bottom 78.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.95%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -0.86%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.31%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Institutional Decline

decline

#23 of 25 • Bottom 61.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $1.50B

(Tier: $2.16B, National: $593.11M)

worse than tier avg

Member Growth (YoY): -0.95%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -0.86%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

25 of 377 Mid-Market CUs have this signature | 261 nationally

↓ Shrinking -12 CUs YoY | New qualifier

Membership Headwinds

decline

#80 of 86 • Bottom 78.8% in tier

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

Why This Signature

Member Growth (YoY): -0.95%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#187 of 193 • Bottom 94.6% in tier

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

Why This Signature

Asset Growth (YoY): -1.74%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 16.46%

(Tier: 18.08%, National: 7.71%)

but better than tier avg

Member Growth (YoY): -0.95%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

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 300 peers in tier

Top Strengths (8 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 10.32%

Peer Median: 28.24%

#8 of 300 Top 2.3% in 1B-3B tier

Net Worth Ratio

risk

Value: 16.73%

Peer Median: 10.91%

#15 of 300 Top 4.7% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.43%

Peer Median: 0.77%

#28 of 300 Top 9.0% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Median: 0.70%

#32 of 300 Top 10.3% in 1B-3B tier

Fee Income Per Member

profitability

Value: $314.10

Peer Median: $204.73

#34 of 300 Top 11.0% in 1B-3B tier

Efficiency Ratio

profitability

Value: 62.77%

Peer Median: 73.62%

#40 of 300 Top 13.0% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 403.000

Peer Median: 346.173

#73 of 300 Top 24.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 22.99%

Peer Median: 33.59%

#74 of 300 Top 24.3% in 1B-3B tier

Top Weaknesses (8 metrics)

293

Loan-to-Share Ratio

balance_sheet

Value: 50.28%

Peer Median: 87.07%

#293 of 300 Bottom 2.7% in 1B-3B tier

286

Total Loans

balance_sheet

Value: $625.47M

Peer Median: $1.14B

#286 of 300 Bottom 5.0% in 1B-3B tier

285

Loan-to-Member Ratio (LMR)

engagement

Value: $8,389

Peer Median: $12,809

#285 of 300 Bottom 5.3% in 1B-3B tier

280

Asset Growth Rate

growth

Value: -1.74%

Peer Median: 5.21%

#280 of 300 Bottom 7.0% in 1B-3B tier

260

Deposit Growth Rate

growth

Value: 0.22%

Peer Median: 4.79%

#260 of 300 Bottom 13.7% in 1B-3B tier

257

Loan Growth Rate

growth

Value: -0.86%

Peer Median: 5.71%

#257 of 300 Bottom 14.7% in 1B-3B tier

238

Net Charge-Off Rate

risk

Value: 0.86%

Peer Median: 0.52%

#238 of 300 Bottom 21.0% in 1B-3B tier

230

Member Growth Rate

growth

Value: -0.95%

Peer Median: 1.84%

#230 of 300 Bottom 23.7% in 1B-3B tier