BlastPoint's Credit Union Scorecard

ONE NEVADA

Charter #68613 · NV

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 4 in NV

View Mid-Market leaderboard →

ONE NEVADA has 8 strengths but faces 9 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

+ Profitability Leader: Top 18.1% in tier
+ Organic Growth Engine: Top 18.2% 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

- Margin Compression: Bottom 1.2% in tier
- Cost Spiral: Bottom 8.9% in tier
- Credit Quality Pressure: Bottom 14.2% in tier
- Credit Risk Growth: Bottom 18.0% in tier
- Indirect Auto Dependency: Bottom 24.3% in tier
- Liquidity Overhang: Bottom 62.5% 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	33%
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	46%
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	43%

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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	1.5% -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	83%
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	26%
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	33%
CD Concentration	11.1% +16.0% YoY+2.9% QoQ	-17.8%	29.0% +0.7% 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	-1.4%	18.8% -3.0% YoY	22.8% -3.2% YoY	7.9% -2.9% YoY	51%

Signature Analysis

Strengths (3)

Profitability Leader

growth

#18 of 95 • Top 18.1% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.55%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): -1.00% points

(Tier: 0.07% points, National: 0.05% points)

but worse than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 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: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | New qualifier

Organic Growth Leader

growth

#134 of 138 • Top 33.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.68%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 17.34%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | New qualifier

Concerns (6)

Margin Compression

decline

#2 of 24 • Bottom 1.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. 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 (Prior Year): 2.55%

(Tier: 0.64%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -1.00% points

(Tier: 0.07% points, National: 0.05% points)

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 (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

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): 47.49%

(Tier: 51.53%, National: 63.68%)

but better 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

Credit Risk Growth

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: 18.77%, 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

Liquidity Overhang

risk

#11 of 17 • Bottom 62.5% 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: 86.32%, National: 67.96%)

worse than tier avg

17 of 380 Mid-Market CUs have this signature | 155 nationally

→ Stable (17→17 CUs) | 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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (7 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 11.13%

Peer Avg: -

#9 of 304 Top 2.6% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.55%

Peer Avg: -

#15 of 304 Top 4.6% in 1B-3B tier

Net Worth Ratio

risk

Value: 16.05%

Peer Avg: -

#16 of 304 Top 4.9% in 1B-3B tier

Fee Income Per Member

profitability

Value: $341.77

Peer Avg: -

#17 of 304 Top 5.3% in 1B-3B tier

Efficiency Ratio

profitability

Value: 63.15%

Peer Avg: -

#39 of 304 Top 12.5% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.82%

Peer Avg: -

#53 of 304 Top 17.1% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 22.24%

Peer Avg: -

#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: -

#298 of 304 Bottom 2.3% in 1B-3B tier

292

Total Loans

balance_sheet

Value: $628.26M

Peer Avg: -

#292 of 304 Bottom 4.3% in 1B-3B tier

283

Loan-to-Member Ratio (LMR)

engagement

Value: $8,389

Peer Avg: -

#283 of 304 Bottom 7.2% in 1B-3B tier

265

Net Charge-Off Rate

risk

Value: 1.03%

Peer Avg: -

#265 of 304 Bottom 13.2% in 1B-3B tier