BlastPoint's Credit Union Scorecard
CLARK COUNTY
Charter #86752 · NV
CLARK COUNTY shows strong momentum with 9 strengths and 7.4% YoY member growth
How does the industry compare?
What's your peer group doing?
How does NV stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 4.9% in tier
- + Emerging Performer: Top 13.2% in tier
- + Organic Growth Leader: Top 20.6% in tier
- + Relationship Depth Leader: Top 32.8% in tier
- + Wallet Share Momentum: Top 70.5% in tier
- + ROA 0.26% above tier average
- + Strong member growth: 7.4% YoY
- + Loan Growth Rate: Top 4.0% in tier
- + Average Member Relationship (AMR): Top 7.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
59,912
+7.4% YoY+1.4% QoQ
|
-37.5K |
97,431
-2.4% YoY
|
31,880
+2.5% YoY
|
33,374
+5.7% YoY
|
Bottom 13.9% in tier |
| Assets |
$1.6B
+10.9% YoY+2.8% QoQ
|
$-139.1M |
$1.7B
+0.9% YoY
|
$660.6M
+4.0% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$1.1B
+20.6% YoY+4.2% QoQ
|
$-182.1M |
$1.2B
+0.5% YoY
|
$406.3M
+6.8% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$1.4B
+10.1% YoY+2.5% QoQ
|
$-59.4M |
$1.5B
+0.9% YoY
|
$587.0M
+2.8% YoY
|
$477.3M
+9.7% YoY
|
55% |
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| ROA |
0.9%
-2.2% YoY+10.5% QoQ
|
+0.3% |
0.7%
+20.9% YoY
|
0.9%
+27.5% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
3.1%
+4.7% YoY+1.0% QoQ
|
-0.2% |
3.3%
+9.2% YoY
|
3.3%
+5.5% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
67.1%
-3.6% YoY-3.0% QoQ
|
-7.0% |
74.1%
-9.5% YoY
|
68.1%
-5.4% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.5%
-29.3% YoY+3.8% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
0.8%
-19.2% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
75.2%
+9.5% YoY+1.7% QoQ
|
-9.6% |
84.8%
-0.8% YoY
|
62.7%
+2.7% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$40,931
+6.5% YoY+1.8% QoQ
|
+$12K |
$29,428
+2.4% YoY
|
$29,144
+3.1% YoY
|
$19,687
+2.0% YoY
|
Top 8.3% in tier |
| CD Concentration |
30.5%
+3.6% YoY-0.2% QoQ
|
+1.5% | 29.0% | 18.3% | 19.8% | 57% |
| Indirect Auto % |
0.4%
-52.8% YoY-15.2% QoQ
|
-18.0% | 18.3% | 22.8% | 7.8% | Bottom 14.9% in tier |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (0)
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)