BlastPoint's Credit Union Scorecard
GREAT BASIN
Charter #7063 · NV
GREAT BASIN has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 25.6% in tier
- + ROA 0.25% above tier average
- + Net Interest Margin 0.65% above tier average
- + Strong member growth: 7.5% YoY
- + Member Growth Rate: Top 4.7% in tier
- + Efficiency Ratio: Top 8.3% in tier
- + Total Members: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 38.0% in tier
- - Credit Quality Pressure: Bottom 38.9% in tier
- - Credit Risk Growth: Bottom 40.0% in tier
- - Shrinking Wallet Share: Bottom 47.8% in tier
- - Indirect Auto Concentration (%): Bottom 2.9% in tier
- - Net Charge-Off Rate: Bottom 6.4% in tier
- - AMR Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,825
+7.5% YoY+2.2% QoQ
|
+12.4K |
15,437
-2.9% YoY
|
31,880
+2.5% YoY
|
33,374
+5.7% YoY
|
Top 8.9% in tier |
| Assets |
$354.3M
+4.2% YoY+0.9% QoQ
|
+$122.4M |
$231.9M
+1.3% YoY
|
$660.6M
+4.0% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$245.7M
+5.7% YoY+3.0% QoQ
|
+$98.3M |
$147.3M
-0.1% YoY
|
$406.3M
+6.8% YoY
|
$397.0M
+8.8% YoY
|
85% |
| Deposits |
$314.1M
+3.7% YoY+0.8% QoQ
|
+$113.3M |
$200.8M
+0.8% YoY
|
$587.0M
+2.8% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
1.0%
-2.4% YoY-5.1% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.9%
+27.5% YoY
|
0.7%
+15.9% YoY
|
69% |
| NIM |
4.3%
+9.1% YoY+1.8% QoQ
|
+0.6% |
3.6%
+6.7% YoY
|
3.3%
+5.5% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
61.1%
-5.3% YoY+0.5% QoQ
|
-15.9% |
77.0%
-3.1% YoY
|
68.1%
-5.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.3% in tier |
| Delinquency Rate |
0.9%
+45.6% YoY-36.7% QoQ
|
-0.0 |
0.9%
+4.2% YoY
|
0.8%
-19.2% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
78.2%
+1.9% YoY+2.2% QoQ
|
+6.0% |
72.2%
-1.1% YoY
|
62.7%
+2.7% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$20,120
-2.7% YoY-0.5% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$29,144
+3.1% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
21.8%
-2.8% YoY-3.9% QoQ
|
-2.6% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
54.1%
+16.8% YoY+4.2% QoQ
|
+40.3% | 13.8% | 22.8% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)