BlastPoint's Credit Union Scorecard
ONE NEVADA
Charter #68613 · NV
ONE NEVADA has 6 strengths but faces 8 concerns
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How does NV stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.69% above tier average
- + Net Interest Margin 0.42% above tier average
- + Share Certificate Concentration (%): Top 2.3% in tier
- + Net Worth Ratio: Top 5.6% in tier
- + Fee Income Per Member: Top 7.2% in tier
- + Total Delinquency Rate (60+ days): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 5.0% in tier
- - Margin Compression: Bottom 8.4% in tier
- - Institutional Decline: Bottom 60.1% in tier
- - Membership Headwinds: Bottom 80.8% in tier
- - Stagnation Risk: Bottom 80.8% in tier
- - Indirect Auto Dependency: Bottom 85.3% in tier
- - Loan-to-Share Ratio: Bottom 2.6% in tier
- - Total Loans: Bottom 4.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74,308
-1.3% YoY-0.0% QoQ
|
-21.7K |
96,048
-2.7% YoY
|
32,180
+2.8% YoY
|
33,913
+5.7% YoY
|
34% |
| Assets |
$1.5B
+0.5% YoY+1.5% QoQ
|
$-207.6M |
$1.7B
+0.4% YoY
|
$671.4M
+1.9% YoY
|
$578.3M
+9.0% YoY
|
50% |
| Loans |
$617.5M
-0.7% YoY-0.1% QoQ
|
$-596.2M |
$1.2B
+0.2% YoY
|
$412.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.2% in tier |
| Deposits |
$1.3B
+1.1% YoY+1.6% QoQ
|
$-207.8M |
$1.5B
+0.5% YoY
|
$596.1M
+1.1% YoY
|
$494.3M
+9.1% YoY
|
45% |
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| ROA |
1.4%
-10.7% YoY-7.4% QoQ
|
+0.7% |
0.7%
+27.6% YoY
|
1.1%
+7.8% YoY
|
0.4%
-39.2% YoY
|
Top 8.2% in tier |
| NIM |
3.8%
-0.0% YoY-2.5% QoQ
|
+0.4% |
3.4%
+6.2% YoY
|
3.4%
+4.6% YoY
|
3.8%
+4.1% YoY
|
78% |
| Efficiency Ratio |
62.9%
-1.7% YoY-1.0% QoQ
|
-11.7% |
74.6%
-3.0% YoY
|
66.3%
-4.8% YoY
|
84.6%
+2.8% YoY
|
Top 10.5% in tier |
| Delinquency Rate |
0.2%
-6.4% YoY-57.5% QoQ
|
-0.5 |
0.8%
+6.9% YoY
|
0.7%
-19.9% YoY
|
1.2%
+3.4% YoY
|
Top 8.8% in tier |
| Loan To Share |
49.1%
-1.9% YoY-1.7% QoQ
|
-34.1% |
83.2%
-0.4% YoY
|
62.0%
+3.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.3% in tier |
| AMR |
$25,236
+1.8% YoY+1.1% QoQ
|
$-4K |
$29,652
+2.3% YoY
|
$29,327
+2.2% YoY
|
$19,920
+1.6% YoY
|
33% |
| CD Concentration |
10.1%
-6.5% YoY-6.6% QoQ
|
-18.7% | 28.8% | 17.9% | 19.8% | Bottom 2.3% in tier |
| Indirect Auto % |
16.6%
-10.7% YoY-0.4% QoQ
|
-1.5% | 18.1% | 23.4% | 7.7% | 51% |
Signature Analysis
Strengths (0)
Concerns (6)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)