BlastPoint's Credit Union Scorecard

CLARK COUNTY

Charter #86752 · NV

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 4 in NV

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CLARK COUNTY shows strong momentum with 8 strengths and 6.5% YoY member growth

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NV Analysis

How does NV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 14.7% in tier
+ Organic Growth Leader: Top 14.7% in tier
+ Emerging Performer: Top 27.2% in tier
+ Relationship Depth Leader: Top 47.9% in tier
+ ROA 0.23% above tier average
+ Strong member growth: 6.5% YoY
+ Loan Growth Rate: Top 5.9% in tier
+ Average Member Relationship (AMR): Top 8.2% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Members	60,753 +6.5% YoY+1.4% QoQ	-35.3K	96,048 -2.7% YoY	32,180 +2.8% YoY	33,913 +5.7% YoY	Bottom 15.0% in tier
Assets	$1.6B +6.4% YoY+1.7% QoQ	$-109.3M	$1.7B +0.4% YoY	$671.4M +1.9% YoY	$578.3M +9.0% YoY	55%
Loans	$1.1B +16.4% YoY+2.2% QoQ	$-138.6M	$1.2B +0.2% YoY	$412.3M +6.6% YoY	$402.4M +8.7% YoY	48%
Deposits	$1.4B +5.7% YoY+1.9% QoQ	$-39.3M	$1.5B +0.5% YoY	$596.1M +1.1% YoY	$494.3M +9.1% YoY	56%

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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	0.9% +47.0% YoY-0.2% QoQ	+0.2%	0.7% +27.6% YoY	1.1% +7.8% YoY	0.4% -39.2% YoY	75%
NIM	3.2% +13.3% YoY+6.5% QoQ	-0.1%	3.4% +6.2% YoY	3.4% +4.6% YoY	3.8% +4.1% YoY	42%
Efficiency Ratio	70.2% -8.1% YoY+4.7% QoQ	-4.4%	74.6% -3.0% YoY	66.3% -4.8% YoY	84.6% +2.8% YoY	31%
Delinquency Rate	0.4% -3.6% YoY-12.8% QoQ	-0.3	0.8% +6.9% YoY	0.7% -19.9% YoY	1.2% +3.4% YoY	27%
Loan To Share	75.4% +10.2% YoY+0.3% QoQ	-7.8%	83.2% -0.4% YoY	62.0% +3.3% YoY	65.6% -1.4% YoY	24%
AMR	$41,173 +3.3% YoY+0.6% QoQ	+$12K	$29,652 +2.3% YoY	$29,327 +2.2% YoY	$19,920 +1.6% YoY	Top 8.5% in tier
CD Concentration	29.6% +1.6% YoY-3.0% QoQ	+0.7%	28.8%	17.9%	19.8%	55%
Indirect Auto %	0.3% -50.1% YoY-14.5% QoQ	-17.8%	18.1%	23.4%	7.7%	15%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#11 of 115 • Top 14.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.48%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 0.95%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.31%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Emerging Performer

growth

#16 of 79 • Top 27.2% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.95%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 6.48%

(Tier: 3.50%, National: 10.19%)

better than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Organic Growth Leader

growth

#26 of 116 • Top 14.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 6.48%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.31%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Relationship Depth Leader

growth

#51 of 64 • Top 47.9% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.34%

(Tier: 3.34%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.8K

(Tier: $3.3K, National: $2.1K)

better than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | Rank worsening

Concerns (0)

No concerns identified

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 306 peers in tier

Top Strengths (8 metrics)

Loan Growth Rate

growth

Value: 16.42%

Peer Median: 5.67%

#19 of 306 Top 5.9% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $41,173

Peer Median: $28,178

#26 of 306 Top 8.2% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,697

Peer Median: $12,733

#32 of 306 Top 10.1% in 1B-3B tier

Member Growth Rate

growth

Value: 6.48%

Peer Median: 2.03%

#43 of 306 Top 13.7% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.31%

Peer Median: 13.86%

#52 of 306 Top 16.7% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.24%

Peer Median: 0.51%

#56 of 306 Top 18.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 20.51%

Peer Median: 33.05%

#58 of 306 Top 18.6% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 0.95%

Peer Median: 0.66%

#77 of 306 Top 24.8% in 1B-3B tier

Top Weaknesses (3 metrics)

261

Members Per Employee (MPE)

engagement

Value: 277.411

Peer Median: 345.077

#261 of 306 Bottom 15.0% in 1B-3B tier

260

Total Members

engagement

Value: 60,753

Peer Median: 85,918

#260 of 306 Bottom 15.4% in 1B-3B tier

232

Loan-to-Share Ratio

balance_sheet

Value: 75.38%

Peer Median: 85.31%

#232 of 306 Bottom 24.5% in 1B-3B tier