BlastPoint's Credit Union Scorecard

FINANCIAL HORIZONS

Charter #86755 · NV

100M-500M

1070 CUs in 100M-500M nationally 6 in NV

FINANCIAL HORIZONS has 6 strengths but faces 4 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

+ Relationship Depth Leader: Top 50.0% in tier
+ ROA 0.82% above tier average
+ Strong member growth: 5.3% YoY
+ Loan Growth Rate: Top 2.1% in tier
+ Total Delinquency Rate (60+ days): Top 4.9% in tier
+ Member Growth Rate: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Concentration (%): Bottom 6.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Members	14,443 +5.3% YoY+0.3% QoQ	-702	15,145 -2.5% YoY	32,180 +2.8% YoY	33,913 +5.7% YoY	56%
Assets	$314.1M +2.4% YoY+2.3% QoQ	+$82.4M	$231.7M +0.8% YoY	$671.4M +1.9% YoY	$578.3M +9.0% YoY	75%
Loans	$171.8M +23.7% YoY+0.3% QoQ	+$27.6M	$144.1M +0.2% YoY	$412.3M +6.6% YoY	$402.4M +8.7% YoY	69%
Deposits	$282.4M +0.4% YoY+2.6% QoQ	+$81.3M	$201.1M +0.4% YoY	$596.1M +1.1% YoY	$494.3M +9.1% 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	1.6% +130.7% YoY+58.0% QoQ	+0.8%	0.7% +5.1% YoY	1.1% +7.8% YoY	0.4% -39.2% YoY	Top 10.3% in tier
NIM	3.4% +7.3% YoY+2.5% QoQ	-0.3%	3.6% +4.6% YoY	3.4% +4.6% YoY	3.8% +4.1% YoY	34%
Efficiency Ratio	63.3% -15.9% YoY-13.1% QoQ	-14.7%	78.0% -1.7% YoY	66.3% -4.8% YoY	84.6% +2.8% YoY	Top 12.1% in tier
Delinquency Rate	0.1%	-0.7	0.8% +7.1% YoY	0.7% -19.9% YoY	1.2% +3.4% YoY	Top 4.9% in tier
Loan To Share	60.8% +23.2% YoY-2.3% QoQ	-9.6%	70.4% -0.4% YoY	62.0% +3.3% YoY	65.6% -1.4% YoY	28%
AMR	$31,448 +2.7% YoY+1.4% QoQ	+$7K	$24,918 +2.7% YoY	$29,327 +2.2% YoY	$19,920 +1.6% YoY	85%
CD Concentration	18.1% +17.8% YoY-1.3% QoQ	-6.2%	24.3%	17.9%	19.8%	50%
Indirect Auto %	43.5% +14.4% YoY-1.3% QoQ	+29.7%	13.8%	23.4%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#206 of 257 • Top 50.0% 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): 2.71%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $5.6K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Concerns (3)

Credit Risk Growth

risk

#179 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 23.74%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Indirect Auto Dependency

risk

#275 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 2.42%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 43.50%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 5.27%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#629 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

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 1070 peers in tier

Top Strengths (8 metrics)

Loan Growth Rate

growth

Value: 23.74%

Peer Median: 2.93%

#24 of 1070 Top 2.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.08%

Peer Median: 0.61%

#53 of 1070 Top 4.9% in 100M-500M tier

105

Member Growth Rate

growth

Value: 5.27%

Peer Median: -0.06%

#105 of 1070 Top 9.7% in 100M-500M tier

110

Return on Assets (ROA)

profitability

Value: 1.55%

Peer Median: 0.69%

#110 of 1070 Top 10.2% in 100M-500M tier

131

Efficiency Ratio

profitability

Value: 63.34%

Peer Median: 78.68%

#131 of 1070 Top 12.1% in 100M-500M tier

165

Average Member Relationship (AMR)

engagement

Value: $31,448

Peer Median: $22,931

#165 of 1070 Top 15.3% in 100M-500M tier

244

Total Deposits

balance_sheet

Value: $282.43M

Peer Median: $171.29M

#244 of 1070 Top 22.7% in 100M-500M tier

268

Total Assets

balance_sheet

Value: $314.10M

Peer Median: $196.57M

#268 of 1070 Top 25.0% in 100M-500M tier

Top Weaknesses (2 metrics)

1006

Indirect Auto Concentration (%)

balance_sheet

Value: 43.50%

Peer Median: 6.61%

#1006 of 1070 Bottom 6.1% in 100M-500M tier

825

Deposit Growth Rate

growth

Value: 0.41%

Peer Median: 3.30%

#825 of 1070 Bottom 23.0% in 100M-500M tier