BlastPoint's Credit Union Scorecard

ONE NEVADA

Charter #68613 · NV

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

ONE NEVADA has 5 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

+ ROA 0.83% above tier average
+ Net Interest Margin 0.60% above tier average
+ Share Certificate Concentration (%): Top 2.3% in tier
+ Net Worth Ratio: Top 4.3% in tier
+ Fee Income Per Member: Top 5.6% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 0.0% in tier
- Credit Quality Pressure: Bottom 33.8% in tier
- Liquidity Overhang: Bottom 37.5% in tier
- Cost Spiral: Bottom 62.5% in tier
- Credit Risk Growth: Bottom 76.1% in tier
- Indirect Auto Dependency: Bottom 80.5% in tier
- Loan-to-Share Ratio: Bottom 2.3% in tier
- Total Loans: Bottom 4.6% in tier
- Loan-to-Member Ratio (LMR): Bottom 6.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Members	74,321 -0.1% YoY-0.8% QoQ	-23.1K	97,431 -2.4% YoY	31,880 +2.5% YoY	33,374 +5.7% YoY	33%
Assets	$1.5B +5.3% YoY+1.4% QoQ	$-234.2M	$1.7B +0.9% YoY	$660.6M +4.0% YoY	$561.6M +9.7% YoY	49%
Loans	$618.1M +0.7% YoY-1.6% QoQ	$-616.3M	$1.2B +0.5% YoY	$406.3M +6.8% YoY	$397.0M +8.8% YoY	Bottom 4.3% in tier
Deposits	$1.2B +3.7% YoY+1.0% QoQ	$-221.4M	$1.5B +0.9% YoY	$587.0M +2.8% YoY	$477.3M +9.7% YoY	44%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.5% -34.1% YoY-2.1% QoQ	+0.8%	0.7% +20.9% YoY	0.9% +27.5% YoY	0.7% +15.9% YoY	Top 5.0% in tier
NIM	3.9% -2.0% YoY+1.4% QoQ	+0.6%	3.3% +9.2% YoY	3.3% +5.5% YoY	3.8% +5.1% YoY	Top 14.9% in tier
Efficiency Ratio	63.5% +14.2% YoY+0.6% QoQ	-10.5%	74.1% -9.5% YoY	68.1% -5.4% YoY	79.7% -3.3% YoY	Bottom 10.9% in tier
Delinquency Rate	0.5% +78.5% YoY+12.1% QoQ	-0.4	0.9% +6.2% YoY	0.8% -19.2% YoY	1.3% -2.1% YoY	26%
Loan To Share	49.9% -2.9% YoY-2.6% QoQ	-34.9%	84.8% -0.8% YoY	62.7% +2.7% YoY	67.4% -1.7% YoY	Bottom 2.0% in tier
AMR	$24,974 +2.7% YoY+0.9% QoQ	$-4K	$29,428 +2.4% YoY	$29,144 +3.1% YoY	$19,687 +2.0% YoY	32%
CD Concentration	10.8% +4.3% YoY-2.8% QoQ	-18.2%	29.0%	18.3%	19.8%	Bottom 2.4% in tier
Indirect Auto %	16.6% -12.0% YoY-4.0% QoQ	-1.7%	18.3%	22.8%	7.8%	52%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Margin Compression

decline

#1 of 19 • Bottom 0.0% 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: 1.52%

(Tier: 0.69%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 2.30%

(Tier: 0.57%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.79% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

19 of 378 Mid-Market CUs have this signature | 145 nationally

→ No prior data (19 CUs now) | New qualifier

Credit Quality Pressure

risk

#72 of 211 • Bottom 33.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.22% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank improving

Liquidity Overhang

risk

#7 of 17 • Bottom 37.5% in tier

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

Why This Signature

Net Worth Ratio: 16.17%

(Tier: 11.27%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 49.93%

(Tier: 85.73%, National: 67.44%)

worse than tier avg

17 of 378 Mid-Market CUs have this signature | 155 nationally

→ Stable (16→17 CUs) +1 CUs YoY | New qualifier

Cost Spiral

risk

#6 of 9 • Bottom 62.5% 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: 7.92% points

(Tier: -6.71% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 49.24%

(Tier: 51.94%, National: 63.66%)

but better than tier avg

9 of 378 Mid-Market CUs have this signature | 58 nationally

↓ Shrinking -6 CUs YoY | New qualifier

Credit Risk Growth

risk

#125 of 164 • Bottom 76.1% in tier

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

Why This Signature

Loan Growth (YoY): 0.67%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.22% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Indirect Auto Dependency

risk

#158 of 196 • Bottom 80.5% in tier

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

Why This Signature

Asset Growth (YoY): 5.29%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 16.65%

(Tier: 18.31%, National: 7.78%)

but better than tier avg

Member Growth (YoY): -0.10%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 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)

Compare against:

Comparing against 302 peers in tier

Top Strengths (7 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 10.81%

Peer Median: -

#8 of 302 Top 2.3% in 1B-3B tier

Net Worth Ratio

risk

Value: 16.17%

Peer Median: -

#14 of 302 Top 4.3% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.52%

Peer Median: -

#15 of 302 Top 4.6% in 1B-3B tier

Fee Income Per Member

profitability

Value: $344.76

Peer Median: -

#18 of 302 Top 5.6% in 1B-3B tier

Efficiency Ratio

profitability

Value: 63.53%

Peer Median: -

#34 of 302 Top 10.9% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.87%

Peer Median: -

#45 of 302 Top 14.6% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 22.97%

Peer Median: -

#70 of 302 Top 22.8% in 1B-3B tier

Top Weaknesses (4 metrics)

296

Loan-to-Share Ratio

balance_sheet

Value: 49.93%

Peer Median: -

#296 of 302 Bottom 2.3% in 1B-3B tier

289

Total Loans

balance_sheet

Value: $618.14M

Peer Median: -

#289 of 302 Bottom 4.6% in 1B-3B tier

284

Loan-to-Member Ratio (LMR)

engagement

Value: $8,317

Peer Median: -

#284 of 302 Bottom 6.3% in 1B-3B tier

267

Net Charge-Off Rate

risk

Value: 1.05%

Peer Median: -

#267 of 302 Bottom 11.9% in 1B-3B tier