ONE NEVADA

Charter #68613 | NV

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

ONE NEVADA has 10 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 9.1% in tier
  • + Relationship Depth Leader: Top 9.3% in tier
  • + Organic Growth Engine: Top 18.2% in tier
  • + Wallet Share Momentum: Top 19.2% in tier
  • + Organic Growth Leader: Top 33.9% in tier
  • + ROA 0.85% above tier average
  • + Net Interest Margin 0.56% above tier average
  • + Share Certificate Concentration (%): Top 2.6% in tier
  • + Net Worth Ratio: Top 4.9% in tier
  • + Fee Income Per Member: Top 5.3% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 0.6% in tier
  • - Margin Compression: Bottom 1.2% in tier
  • - Cost Spiral: Bottom 8.9% in tier
  • - Credit Quality Pressure: Bottom 14.2% in tier
  • - Growth-at-Risk: Bottom 18.0% in tier
  • - Indirect Auto Dependency: Bottom 24.3% in tier
  • - Loan-to-Share Ratio: Bottom 2.3% in tier
  • - Total Loans: Bottom 4.3% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Members 74,890
+0.7% YoY-0.5% QoQ
 -23.8K 98,678
-1.9% YoY
 31,753
+2.4% YoY
 33,089
+6.1% YoY
 33rd in tier
Assets $1.5B
+5.6% YoY-3.9% QoQ
 $-250.4M $1.7B
+0.5% YoY
 $652.3M
+3.7% YoY
 $547.7M
+7.8% YoY
 46th in tier
Loans $628.3M
+5.2% YoY-0.4% QoQ
 $-604.8M $1.2B
+0.5% YoY
 $403.3M
+6.9% YoY
 $388.7M
+8.6% YoY
 Bottom 3.9% in tier
Deposits $1.2B
+4.7% YoY-1.2% QoQ
 $-228.5M $1.5B
+1.3% YoY
 $580.1M
+3.6% YoY
 $464.6M
+9.3% YoY
 43rd in tier
ROA 1.5%
-39.3% YoY+1.8% QoQ
 +0.8% 0.7%
+13.4% YoY
 1.0%
-0.0% YoY
 0.7%
+273.4% YoY
 Top 4.9% in tier
NIM 3.8%
-4.2% YoY+2.4% QoQ
 +0.6% 3.3%
+9.3% YoY
 3.3%
+3.9% YoY
 3.7%
+5.0% YoY
 Top 17.4% in tier
Efficiency Ratio 63.2%
+18.4% YoY-0.9% QoQ
 -10.8% 74.0%
-10.9% YoY
 67.2%
-0.6% YoY
 79.1%
-3.3% YoY
 Bottom 12.5% in tier
Delinquency Rate 0.4%
+40.3% YoY+30.6% QoQ
 -0.4 0.8%
+6.1% YoY
 0.9%
+2.2% YoY
 1.2%
-0.9% YoY
 26th in tier
Loan To Share 51.3%
+0.5% YoY+0.8% QoQ
 -33.9% 85.2%
-0.8% YoY
 63.1%
+0.5% YoY
 68.0%
-1.7% YoY
 Bottom 2.0% in tier
AMR $24,758
+4.1% YoY-0.5% QoQ
 $-4K $29,172
+2.8% YoY
 $28,845
+4.1% YoY
 $19,418
+1.3% YoY
 33rd in tier
CD Concentration 11.1%
+16.0% YoY+2.9% QoQ
 -17.9% 29.0%
+0.8% YoY
 18.3%
+6.3% YoY
 19.6%
+6.2% YoY
 Bottom 2.6% in tier
Indirect Auto % 17.3%
-11.0% YoY-4.5% QoQ
 -1.5% 18.8%
-2.8% YoY
 22.8%
-3.2% YoY
 7.9%
-2.9% YoY
 51st in tier

Signature Analysis

Strengths (5)

Emerging Performer

growth
#49 of 184 • Top 9.1% in tier

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

Why This Signature
Return on Assets: 1.55%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 0.68%
(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 | Rank worsening

Relationship Depth Leader

growth
#68 of 264 • Top 9.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.15%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.9K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Organic Growth Engine

growth
#133 of 246 • Top 18.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.68%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.55%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 17.34%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Wallet Share Momentum

growth
#140 of 264 • Top 19.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.15%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Organic Growth Leader

growth
#134 of 138 • Top 33.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.68%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | New qualifier

Concerns (6)

Liquidity Overhang

risk
#3 of 113 • Bottom 0.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 16.05%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 51.25%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY

Margin Compression

decline
#2 of 24 • Bottom 1.2% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.55%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -1.00% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Total Assets: $1.47B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
24 of 380 Mid-Market CUs have this signature | 169 nationally
↓ Shrinking -16 CUs YoY | New qualifier

Cost Spiral

risk
#6 of 14 • Bottom 8.9% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 9.81% points
(Tier: -7.46% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $1.47B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
14 of 380 Mid-Market CUs have this signature | 80 nationally
→ Stable (16→14 CUs) -2 CUs YoY | New qualifier

Credit Quality Pressure

risk
#110 of 217 • Bottom 14.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.13% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Growth-at-Risk

risk
#101 of 161 • Bottom 18.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.18%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.13% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY

Indirect Auto Dependency

risk
#151 of 202 • Bottom 24.3% in tier

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

Why This Signature
Asset Growth (YoY): 5.56%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 17.34%
(Tier: 18.80%, National: 7.90%)
but better than tier avg
Member Growth (YoY): 0.68%
(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 improving

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 (7 metrics)

9
Share Certificate Concentration (%)
balance_sheet
Value: 11.13%
Peer Avg: 28.53%
#9 of 304 Top 2.6% in 1B-3B tier
15
Return on Assets (ROA)
profitability
Value: 1.55%
Peer Avg: 0.70%
#15 of 304 Top 4.6% in 1B-3B tier
16
Net Worth Ratio
risk
Value: 16.05%
Peer Avg: 11.44%
#16 of 304 Top 4.9% in 1B-3B tier
17
Fee Income Per Member
profitability
Value: $341.77
Peer Avg: $210.52
#17 of 304 Top 5.3% in 1B-3B tier
39
Efficiency Ratio
profitability
Value: 63.15%
Peer Avg: 73.97%
#39 of 304 Top 12.5% in 1B-3B tier
53
Net Interest Margin (NIM)
profitability
Value: 3.82%
Peer Avg: 3.26%
#53 of 304 Top 17.1% in 1B-3B tier
66
First Mortgage Concentration (%)
balance_sheet
Value: 22.24%
Peer Avg: 34.01%
#66 of 304 Top 21.4% in 1B-3B tier

Top Weaknesses (4 metrics)

298
Loan-to-Share Ratio
balance_sheet
Value: 51.25%
Peer Avg: 85.19%
#298 of 304 Bottom 2.3% in 1B-3B tier
292
Total Loans
balance_sheet
Value: $628.26M
Peer Avg: $1.23B
#292 of 304 Bottom 4.3% in 1B-3B tier
283
Loan-to-Member Ratio (LMR)
engagement
Value: $8,389
Peer Avg: $13,213
#283 of 304 Bottom 7.2% in 1B-3B tier
265
Net Charge-Off Rate
risk
Value: 1.03%
Peer Avg: 0.60%
#265 of 304 Bottom 13.2% in 1B-3B tier