BlastPoint's Credit Union Scorecard
GREAT BASIN
Charter #7063 · NV
GREAT BASIN has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.57% above tier average
- + Strong member growth: 9.7% YoY
- + Member Growth Rate: Top 3.4% in tier
- + Total Members: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - ROA 0.17% below tier average
- - Delinquency rate 0.32% above tier average
- - Indirect Auto Concentration (%): Bottom 2.6% in tier
- - Net Charge-Off Rate: Bottom 5.5% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 4 that size in Nevada.
- Shares and deposits +6.4% year over year ($331M in shares and deposits).
- Membership: 29,285 members, +9.7% vs a year ago.
- Delinquency rate 1.20%.
- Return on assets 0.70%.
- Efficiency ratio 65.80% vs a 76.73% peer average.
- Loan-to-share ratio 79.06% vs a 71.54% 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 |
29,285
+9.7% YoY+2.7% QoQ
|
+14.1K |
15,168
-2.6% YoY
|
30,953
-1.9% YoY
|
34,678
+6.6% YoY
|
Top 7.1% in tier |
| Assets |
$372.7M
+6.4% YoY+1.3% QoQ
|
+$140.7M |
$232.0M
+0.7% YoY
|
$560.7M
-15.0% YoY
|
$593.1M
+10.2% YoY
|
Top 14.5% in tier |
| Loans |
$261.6M
+10.7% YoY+3.8% QoQ
|
+$115.3M |
$146.3M
+0.2% YoY
|
$340.9M
-13.9% YoY
|
$418.6M
+10.1% YoY
|
Top 11.1% in tier |
| Deposits |
$330.9M
+6.4% YoY+1.5% QoQ
|
+$130.2M |
$200.7M
+0.2% YoY
|
$498.9M
-14.9% YoY
|
$504.8M
+10.3% YoY
|
Top 13.4% in tier |
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| ROA |
0.7%
-48.8% YoY-0.8% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.1%
+13.3% YoY
|
1.2%
+121.4% YoY
|
45% |
| NIM |
4.3%
+3.4% YoY+1.4% QoQ
|
+0.6% |
3.7%
+4.5% YoY
|
3.5%
+6.2% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
65.8%
+12.1% YoY+1.7% QoQ
|
-10.9% |
76.7%
-0.8% YoY
|
64.7%
-5.7% YoY
|
83.0%
-5.3% YoY
|
18% |
| Delinquency Rate |
1.2%
-4.2% YoY-5.5% QoQ
|
+0.3 |
0.9%
+6.6% YoY
|
1.0%
+20.8% YoY
|
1.3%
+2.6% YoY
|
78% |
| Loan To Share |
79.1%
+4.1% YoY+2.3% QoQ
|
+7.5% |
71.5%
-0.3% YoY
|
62.4%
+0.7% YoY
|
66.4%
-1.4% YoY
|
62% |
| AMR |
$20,232
-1.4% YoY-0.2% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$25,344
-12.5% YoY
|
$20,028
-0.9% YoY
|
33% |
| CD Concentration |
21.8%
-6.5% YoY+0.5% QoQ
|
-2.7% | 24.6% | 18.1% | 20.0% | 50% |
| Indirect Auto % |
57.5%
+15.7% YoY+3.0% QoQ
|
+43.9% | 13.6% | 25.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)