GREAT BASIN

Charter #7063 | NV

100M-500M (1077 CUs) Micro ($0-$500M)

6 100M-500M in NV

GREAT BASIN has 8 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 9.0% in tier
+ Relationship Depth Leader: Top 31.3% in tier
+ Wallet Share Momentum: Top 36.1% in tier
+ ROA 0.28% above tier average
+ Net Interest Margin 0.59% above tier average
+ Strong member growth: 6.6% YoY
+ Member Growth Rate: Top 6.0% in tier
+ Efficiency Ratio: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 2.1% in tier
- Credit Quality Pressure: Bottom 2.4% in tier
- Growth-at-Risk: Bottom 7.8% in tier
- Margin Compression: Bottom 11.7% in tier
- Delinquency rate 0.53% above tier average
- Indirect Auto Concentration (%): Bottom 3.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Members	27,223 +6.6% YoY+2.0% QoQ	+11.6K	15,628 -3.4% YoY	31,753 +2.4% YoY	33,089 +6.1% YoY	Top 10.1% in tier
Assets	$351.0M +9.2% YoY+0.2% QoQ	+$119.7M	$231.3M -0.0% YoY	$652.3M +3.7% YoY	$547.7M +7.8% YoY	Top 17.7% in tier
Loans	$238.6M +4.2% YoY+0.9% QoQ	+$90.8M	$147.8M -1.4% YoY	$403.3M +6.9% YoY	$388.7M +8.6% YoY	Top 16.2% in tier
Deposits	$311.6M +9.6% YoY+0.2% QoQ	+$111.3M	$200.3M -0.0% YoY	$580.1M +3.6% YoY	$464.6M +9.3% YoY	Top 16.3% in tier
ROA	1.1% -22.4% YoY-21.3% QoQ	+0.3%	0.8% +15.5% YoY	1.0% -0.0% YoY	0.7% +273.4% YoY	70th in tier
NIM	4.2% +5.5% YoY+1.4% QoQ	+0.6%	3.6% +6.9% YoY	3.3% +3.9% YoY	3.7% +5.0% YoY	Top 18.2% in tier
Efficiency Ratio	60.8% -4.8% YoY+3.6% QoQ	-16.4%	77.3% -3.0% YoY	67.2% -0.6% YoY	79.1% -3.3% YoY	Bottom 9.4% in tier
Delinquency Rate	1.4% +171.6% YoY+10.9% QoQ	+0.5	0.9% +7.6% YoY	0.9% +2.2% YoY	1.2% -0.9% YoY	Top 16.9% in tier
Loan To Share	76.6% -4.9% YoY+0.8% QoQ	+3.9%	72.7% -1.5% YoY	63.1% +0.5% YoY	68.0% -1.7% YoY	55th in tier
AMR	$20,211 +0.6% YoY-1.5% QoQ	$-4K	$24,363 +2.9% YoY	$28,845 +4.1% YoY	$19,418 +1.3% YoY	36th in tier
CD Concentration	22.7% +7.7% YoY-2.7% QoQ	-1.7%	24.4% +4.2% YoY	18.3% +6.3% YoY	19.6% +6.2% YoY	50th in tier
Indirect Auto %	51.9% +18.2% YoY+4.6% QoQ	+38.0%	14.0% -5.8% YoY	22.8% -3.2% YoY	7.9% -2.9% YoY	50th in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#166 of 603 • Top 9.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.58%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.07%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 51.93%

(Tier: 13.96%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#863 of 1006 • Top 31.3% in tier

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

Why This Signature

AMR Growth (YoY): 0.59%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $2.7K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

1006 of 1077 Community CUs have this signature | 1330 nationally

↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#996 of 1006 • Top 36.1% in tier

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

Why This Signature

AMR Growth (YoY): 0.59%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

1006 of 1077 Community CUs have this signature | 1330 nationally

↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Indirect Auto Dependency

risk

#35 of 525 • Bottom 2.1% in tier

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

Why This Signature

Asset Growth (YoY): 9.19%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 51.93%

(Tier: 13.96%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 6.58%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Credit Quality Pressure

risk

#61 of 736 • Bottom 2.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.88% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Growth-at-Risk

risk

#118 of 446 • Bottom 7.8% in tier

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

Why This Signature

Loan Growth (YoY): 4.22%

(Tier: 3.64%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.88% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Margin Compression

decline

#50 of 136 • Bottom 11.7% in tier

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

Why This Signature

Return on Assets: 1.07%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA Change (YoY): -0.31% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Total Assets: $351.03M

(Tier: $231.30M, National: $547.69M)

but better than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | 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 1077 peers in tier

Top Strengths (11 metrics)

Member Growth Rate

growth

Value: 6.58%

Peer Avg: 0.72%

#66 of 1077 Top 6.0% in 100M-500M tier

102

Efficiency Ratio

profitability

Value: 60.84%

Peer Avg: 77.28%

#102 of 1077 Top 9.4% in 100M-500M tier

109

Total Members

engagement

Value: 27,223

Peer Avg: 15,628

#109 of 1077 Top 10.0% in 100M-500M tier

135

Deposit Growth Rate

growth

Value: 9.61%

Peer Avg: 4.69%

#135 of 1077 Top 12.4% in 100M-500M tier

159

Asset Growth Rate

growth

Value: 9.19%

Peer Avg: 4.70%

#159 of 1077 Top 14.7% in 100M-500M tier

174

Total Loans

balance_sheet

Value: $238.56M

Peer Avg: $147.80M

#174 of 1077 Top 16.1% in 100M-500M tier

176

Total Deposits

balance_sheet

Value: $311.63M

Peer Avg: $200.29M

#176 of 1077 Top 16.2% in 100M-500M tier

182

Members Per Employee (MPE)

engagement

Value: 412.470

Peer Avg: 332.881

#182 of 1077 Top 16.8% in 100M-500M tier

191

Total Assets

balance_sheet

Value: $351.03M

Peer Avg: $231.30M

#191 of 1077 Top 17.6% in 100M-500M tier

196

Net Interest Margin (NIM)

profitability

Value: 4.17%

Peer Avg: 3.58%

#196 of 1077 Top 18.1% in 100M-500M tier

Top Weaknesses (4 metrics)

1042

Indirect Auto Concentration (%)

balance_sheet

Value: 51.93%

Peer Avg: 13.34%

#1042 of 1077 Bottom 3.3% in 100M-500M tier

964

Net Charge-Off Rate

risk

Value: 0.95%

Peer Avg: 0.47%

#964 of 1077 Bottom 10.6% in 100M-500M tier

896

Total Delinquency Rate (60+ days)

risk

Value: 1.39%

Peer Avg: 0.86%

#896 of 1077 Bottom 16.9% in 100M-500M tier

860

Fee Income Per Member

profitability

Value: $111.44

Peer Avg: $174.31

#860 of 1077 Bottom 20.2% in 100M-500M tier