CLARK COUNTY

Charter #86752 | NV

1B-3B (304 CUs) Mid-Market (380 CUs)
4 1B-3B in NV

CLARK COUNTY has 12 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 2.2% in tier
  • + Emerging Performer: Top 2.8% in tier
  • + Relationship Depth Leader: Top 4.8% in tier
  • + Organic Growth Leader: Top 5.9% in tier
  • + Wallet Share Momentum: Top 11.5% in tier
  • + ROA 0.15% above tier average
  • + Strong member growth: 7.6% YoY
  • + Loan Growth Rate: Top 4.9% in tier
  • + Asset Growth Rate: Top 6.9% in tier
  • + Average Member Relationship (AMR): Top 8.6% in tier
  • + Member Growth Rate: Top 9.2% in tier
  • + Deposit Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Members Per Employee (MPE): Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Members 59,063
+7.6% YoY+1.7% QoQ
 -39.6K 98,678
-1.9% YoY
 31,753
+2.4% YoY
 33,089
+6.1% YoY
 Bottom 13.5% in tier
Assets $1.5B
+12.1% YoY-0.4% QoQ
 $-178.2M $1.7B
+0.5% YoY
 $652.3M
+3.7% YoY
 $547.7M
+7.8% YoY
 51st in tier
Loans $1.0B
+16.9% YoY+2.8% QoQ
 $-223.2M $1.2B
+0.5% YoY
 $403.3M
+6.9% YoY
 $388.7M
+8.6% YoY
 38th in tier
Deposits $1.4B
+12.2% YoY-0.9% QoQ
 $-88.7M $1.5B
+1.3% YoY
 $580.1M
+3.6% YoY
 $464.6M
+9.3% YoY
 54th in tier
ROA 0.9%
-7.5% YoY+17.4% QoQ
 +0.2% 0.7%
+13.4% YoY
 1.0%
-0.0% YoY
 0.7%
+273.4% YoY
 66th in tier
NIM 3.0%
-0.1% YoY+2.5% QoQ
 -0.2% 3.3%
+9.3% YoY
 3.3%
+3.9% YoY
 3.7%
+5.0% YoY
 28th in tier
Efficiency Ratio 69.1%
-1.6% YoY-3.3% QoQ
 -4.9% 74.0%
-10.9% YoY
 67.2%
-0.6% YoY
 79.1%
-3.3% YoY
 29th in tier
Delinquency Rate 0.5%
-10.4% YoY+18.1% QoQ
 -0.4 0.8%
+6.1% YoY
 0.9%
+2.2% YoY
 1.2%
-0.9% YoY
 27th in tier
Loan To Share 73.9%
+4.2% YoY+3.8% QoQ
 -11.2% 85.2%
-0.8% YoY
 63.1%
+0.5% YoY
 68.0%
-1.7% YoY
 Bottom 19.4% in tier
AMR $40,220
+6.1% YoY-1.0% QoQ
 +$11K $29,172
+2.8% YoY
 $28,845
+4.1% YoY
 $19,418
+1.3% YoY
 Top 8.9% in tier
CD Concentration 30.6%
+12.3% YoY+1.6% QoQ
 +1.6% 29.0%
+0.8% YoY
 18.3%
+6.3% YoY
 19.6%
+6.2% YoY
 60th in tier
Indirect Auto % 0.4%
-50.4% YoY-16.8% QoQ
 -18.4% 18.8%
-2.8% YoY
 22.8%
-3.2% YoY
 7.9%
-2.9% YoY
 Bottom 15.0% in tier

Signature Analysis

Strengths (5)

Organic Growth Engine

growth
#17 of 246 • Top 2.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.57%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.86%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.43%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Emerging Performer

growth
#16 of 184 • Top 2.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.86%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 7.57%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Relationship Depth Leader

growth
#36 of 264 • Top 4.8% in tier

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

Why This Signature
AMR Growth (YoY): 6.15%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.7K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Organic Growth Leader

growth
#24 of 138 • Top 5.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 7.57%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Wallet Share Momentum

growth
#84 of 264 • Top 11.5% in tier

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

Why This Signature
AMR Growth (YoY): 6.15%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 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)

Comparing against 304 peers in tier

Top Strengths (9 metrics)

16
Loan Growth Rate
growth
Value: 16.95%
Peer Avg: 5.27%
#16 of 304 Top 4.9% in 1B-3B tier
22
Asset Growth Rate
growth
Value: 12.09%
Peer Avg: 4.83%
#22 of 304 Top 6.9% in 1B-3B tier
27
Average Member Relationship (AMR)
engagement
Value: $40,220
Peer Avg: $29,172
#27 of 304 Top 8.6% in 1B-3B tier
29
Member Growth Rate
growth
Value: 7.57%
Peer Avg: 2.20%
#29 of 304 Top 9.2% in 1B-3B tier
30
Deposit Growth Rate
growth
Value: 12.21%
Peer Avg: 5.58%
#30 of 304 Top 9.5% in 1B-3B tier
37
Loan-to-Member Ratio (LMR)
engagement
Value: $17,098
Peer Avg: $13,213
#37 of 304 Top 11.8% in 1B-3B tier
44
First Mortgage Concentration (%)
balance_sheet
Value: 18.75%
Peer Avg: 34.01%
#44 of 304 Top 14.1% in 1B-3B tier
51
Indirect Auto Concentration (%)
balance_sheet
Value: 0.43%
Peer Avg: 18.32%
#51 of 304 Top 16.4% in 1B-3B tier
69
AMR Growth Rate
growth
Value: 6.15%
Peer Avg: 3.29%
#69 of 304 Top 22.4% in 1B-3B tier

Top Weaknesses (3 metrics)

277
Members Per Employee (MPE)
engagement
Value: 268.468
Peer Avg: 364.953
#277 of 304 Bottom 9.2% in 1B-3B tier
263
Total Members
engagement
Value: 59,063
Peer Avg: 98,678
#263 of 304 Bottom 13.8% in 1B-3B tier
245
Loan-to-Share Ratio
balance_sheet
Value: 73.95%
Peer Avg: 85.19%
#245 of 304 Bottom 19.7% in 1B-3B tier