BlastPoint's Credit Union Scorecard

GREAT BASIN

Charter #7063 · NV

100M-500M
1070 CUs in 100M-500M nationally 6 in NV

GREAT BASIN has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?
NV Analysis

How does NV stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.57% above tier average
  • + Strong member growth: 8.6% YoY
  • + Member Growth Rate: Top 5.2% in tier
  • + Total Members: Top 7.5% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Cost Spiral: Bottom 50.0% in tier
  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Delinquency rate 0.49% above tier average
  • - Indirect Auto Concentration (%): Bottom 2.9% in tier
  • - Net Charge-Off Rate: Bottom 4.4% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Members 28,511
+8.6% YoY+2.5% QoQ
 +13.4K 15,145
-2.5% YoY
 32,180
+2.8% YoY
 33,913
+5.7% YoY
 Top 7.6% in tier
Assets $368.0M
+6.4% YoY+3.9% QoQ
 +$136.3M $231.7M
+0.8% YoY
 $671.4M
+1.9% YoY
 $578.3M
+9.0% YoY
 84%
Loans $251.9M
+8.1% YoY+2.5% QoQ
 +$107.8M $144.1M
+0.2% YoY
 $412.3M
+6.6% YoY
 $402.4M
+8.7% YoY
 Top 12.2% in tier
Deposits $325.9M
+5.9% YoY+3.7% QoQ
 +$124.8M $201.1M
+0.4% YoY
 $596.1M
+1.1% YoY
 $494.3M
+9.1% YoY
 Top 13.9% in tier

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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 0.7%
-57.2% YoY-30.9% QoQ
 +0.0% 0.7%
+5.1% YoY
 1.1%
+7.8% YoY
 0.4%
-39.2% YoY
 51%
NIM 4.2%
+4.0% YoY-1.3% QoQ
 +0.6% 3.6%
+4.6% YoY
 3.4%
+4.6% YoY
 3.8%
+4.1% YoY
 82%
Efficiency Ratio 64.7%
+17.8% YoY+5.8% QoQ
 -13.3% 78.0%
-1.7% YoY
 66.3%
-4.8% YoY
 84.6%
+2.8% YoY
 Top 14.4% in tier
Delinquency Rate 1.3%
+5.8% YoY+44.5% QoQ
 +0.5 0.8%
+7.1% YoY
 0.7%
-19.9% YoY
 1.2%
+3.4% YoY
 Bottom 15.0% in tier
Loan To Share 77.3%
+2.1% YoY-1.1% QoQ
 +6.9% 70.4%
-0.4% YoY
 62.0%
+3.3% YoY
 65.6%
-1.4% YoY
 61%
AMR $20,267
-1.6% YoY+0.7% QoQ
 $-5K $24,918
+2.7% YoY
 $29,327
+2.2% YoY
 $19,920
+1.6% YoY
 34%
CD Concentration 21.7%
-5.3% YoY-0.5% QoQ
 -2.5% 24.3% 17.9% 19.8% 50%
Indirect Auto % 55.8%
+16.4% YoY+3.1% QoQ
 +42.0% 13.8% 23.4% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk
#83 of 504 • Bottom 50.0% in tier

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

Why This Signature
Asset Growth (YoY): 6.36%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 55.78%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 8.61%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 CUs YoY | Rank worsening

Cost Spiral

risk
#15 of 83 • Bottom 50.0% 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: 9.78% points
(Tier: -1.19% points, National: 2.52% points)
worse than tier avg
Efficiency Ratio (Prior Year): 45.61%
(Tier: 60.69%, National: 64.04%)
but better than tier avg
83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally
→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Credit Risk Growth

risk
#273 of 476 • Bottom 50.0% in tier

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

Why This Signature
Loan Growth (YoY): 8.11%
(Tier: 4.14%, National: 1.74%)
but better than tier avg
Delinquency Change (YoY): 0.07% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally
→ No prior data (476 CUs now) | New qualifier

Shrinking Wallet Share

decline
#167 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.61%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | New qualifier

Credit Quality Pressure

risk
#545 of 727 • Bottom 50.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.07% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally
↓ Shrinking -60 CUs YoY | Rank worsening

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)

Comparing against 1070 peers in tier

Top Strengths (10 metrics)

57
Member Growth Rate
growth
Value: 8.61%
Peer Median: -0.06%
#57 of 1070 Top 5.2% in 100M-500M tier
81
Total Members
engagement
Value: 28,511
Peer Median: 13,200
#81 of 1070 Top 7.5% in 100M-500M tier
124
Members Per Employee (MPE)
engagement
Value: 445.484
Peer Median: 309.176
#124 of 1070 Top 11.5% in 100M-500M tier
131
Total Loans
balance_sheet
Value: $251.94M
Peer Median: $121.41M
#131 of 1070 Top 12.1% in 100M-500M tier
149
Total Deposits
balance_sheet
Value: $325.89M
Peer Median: $171.29M
#149 of 1070 Top 13.8% in 100M-500M tier
155
Efficiency Ratio
profitability
Value: 64.69%
Peer Median: 78.68%
#155 of 1070 Top 14.4% in 100M-500M tier
166
Total Assets
balance_sheet
Value: $368.04M
Peer Median: $196.57M
#166 of 1070 Top 15.4% in 100M-500M tier
189
Net Interest Margin (NIM)
profitability
Value: 4.20%
Peer Median: 3.62%
#189 of 1070 Top 17.6% in 100M-500M tier
252
Loan Growth Rate
growth
Value: 8.11%
Peer Median: 2.93%
#252 of 1070 Top 23.5% in 100M-500M tier
254
First Mortgage Concentration (%)
balance_sheet
Value: 16.55%
Peer Median: 29.47%
#254 of 1070 Top 23.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1040
Indirect Auto Concentration (%)
balance_sheet
Value: 55.78%
Peer Median: 6.61%
#1040 of 1070 Bottom 2.9% in 100M-500M tier
1024
Net Charge-Off Rate
risk
Value: 1.45%
Peer Median: 0.35%
#1024 of 1070 Bottom 4.4% in 100M-500M tier
935
AMR Growth Rate
growth
Value: -1.61%
Peer Median: 3.46%
#935 of 1070 Bottom 12.7% in 100M-500M tier
910
Total Delinquency Rate (60+ days)
risk
Value: 1.27%
Peer Median: 0.61%
#910 of 1070 Bottom 15.0% in 100M-500M tier
847
Fee Income Per Member
profitability
Value: $103.30
Peer Median: $154.95
#847 of 1070 Bottom 20.9% in 100M-500M tier
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