BlastPoint's Credit Union Scorecard

FINANCIAL HORIZONS

Charter #86755 · NV

1069 CUs in 100M-500M nationally 6 in NV

FINANCIAL HORIZONS has 7 strengths but faces 2 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

+ Organic Growth Engine: Top 32.5% in tier
+ Relationship Depth Leader: Top 66.7% in tier
+ ROA 0.22% above tier average
+ Strong member growth: 5.6% YoY
+ Total Delinquency Rate (60+ days): Top 1.8% in tier
+ Loan Growth Rate: Top 2.2% in tier
+ Member Growth Rate: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 41.2% in tier
- Indirect Auto Concentration (%): Bottom 5.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Members	14,399 +5.6% YoY+0.7% QoQ	-1.0K	15,437 -2.9% YoY	31,880 +2.5% YoY	33,374 +5.7% YoY	56%
Assets	$307.0M +4.7% YoY+1.6% QoQ	+$75.1M	$231.9M +1.3% YoY	$660.6M +4.0% YoY	$561.6M +9.7% YoY	74%
Loans	$171.3M +24.9% YoY+0.9% QoQ	+$24.0M	$147.3M -0.1% YoY	$406.3M +6.8% YoY	$397.0M +8.8% YoY	68%
Deposits	$275.3M +1.7% YoY+1.2% QoQ	+$74.5M	$200.8M +0.8% YoY	$587.0M +2.8% YoY	$477.3M +9.7% YoY	77%

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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	1.0% +43.3% YoY+11.2% QoQ	+0.2%	0.8% +18.2% YoY	0.9% +27.5% YoY	0.7% +15.9% YoY	67%
NIM	3.3% +9.2% YoY+0.5% QoQ	-0.3%	3.6% +6.7% YoY	3.3% +5.5% YoY	3.8% +5.1% YoY	31%
Efficiency Ratio	72.9% -6.4% YoY-0.4% QoQ	-4.1%	77.0% -3.1% YoY	68.1% -5.4% YoY	79.7% -3.3% YoY	33%
Delinquency Rate	0.0% -80.9% YoY-32.1% QoQ	-0.9	0.9% +4.2% YoY	0.8% -19.2% YoY	1.3% -2.1% YoY	Bottom 1.8% in tier
Loan To Share	62.2% +22.8% YoY-0.3% QoQ	-10.0%	72.2% -1.1% YoY	62.7% +2.7% YoY	67.4% -1.7% YoY	28%
AMR	$31,015 +3.7% YoY+0.4% QoQ	+$6K	$24,676 +3.4% YoY	$29,144 +3.1% YoY	$19,687 +2.0% YoY	84%
CD Concentration	18.4% +13.8% YoY-1.5% QoQ	-6.1%	24.4%	18.3%	19.8%	50%
Indirect Auto %	44.1% +15.7% YoY+3.1% QoQ	+30.3%	13.8%	22.8%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#194 of 595 • Top 32.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.65%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.98%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 44.06%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Relationship Depth Leader

growth

#179 of 268 • Top 66.7% 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): 3.66%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $5.7K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#209 of 506 • Bottom 41.2% in tier

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

Why This Signature

Asset Growth (YoY): 4.70%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 44.06%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 5.65%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.04%

Peer Median: -

#20 of 1069 Top 1.8% in 100M-500M tier

Loan Growth Rate

growth

Value: 24.93%

Peer Median: -

#24 of 1069 Top 2.2% in 100M-500M tier

Member Growth Rate

growth

Value: 5.65%

Peer Median: -

#86 of 1069 Top 8.0% in 100M-500M tier

166

Average Member Relationship (AMR)

engagement

Value: $31,015

Peer Median: -

#166 of 1069 Top 15.4% in 100M-500M tier

207

Net Charge-Off Rate

risk

Value: 0.13%

Peer Median: -

#207 of 1069 Top 19.3% in 100M-500M tier

250

Total Deposits

balance_sheet

Value: $275.29M

Peer Median: -

#250 of 1069 Top 23.3% in 100M-500M tier

Top Weaknesses (2 metrics)

1009

Indirect Auto Concentration (%)

balance_sheet

Value: 44.06%

Peer Median: -

#1009 of 1069 Bottom 5.7% in 100M-500M tier

833

Fee Income Per Member

profitability

Value: $115.23

Peer Median: -

#833 of 1069 Bottom 22.2% in 100M-500M tier