BlastPoint's Credit Union Scorecard

FINANCIAL HORIZONS

Charter #86755 · NV

1077 CUs in 100M-500M nationally 6 in NV

FINANCIAL HORIZONS has 7 strengths but faces 3 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

+ Credit Quality Leader: Top 9.1% in tier
+ Organic Growth Engine: Top 14.2% in tier
+ Relationship Depth Leader: Top 67.2% in tier
+ ROA 0.10% above tier average
+ Total Delinquency Rate (60+ days): Top 2.8% in tier
+ Loan Growth Rate: Top 3.2% in tier
+ Member Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 14.3% in tier
- Indirect Auto Concentration (%): Bottom 7.1% in tier
- Fee Income Per Member: Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Members	14,306 +4.8% YoY+1.9% QoQ	-1.3K	15,628 -3.4% YoY	31,753 +2.4% YoY	33,089 +6.1% YoY	54%
Assets	$302.1M +3.4% YoY-0.2% QoQ	+$70.8M	$231.3M -0.0% YoY	$652.3M +3.7% YoY	$547.7M +7.8% YoY	73%
Loans	$169.8M +20.9% YoY+5.2% QoQ	+$22.0M	$147.8M -1.4% YoY	$403.3M +6.9% YoY	$388.7M +8.6% YoY	67%
Deposits	$272.1M +1.7% YoY-1.4% QoQ	+$71.8M	$200.3M -0.0% YoY	$580.1M +3.6% YoY	$464.6M +9.3% YoY	76%

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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% +7.4% YoY+51.0% QoQ	+0.1%	0.8% +15.5% YoY	1.0% -0.0% YoY	0.7% +273.4% YoY	58%
NIM	3.3% +10.4% YoY+2.7% QoQ	-0.3%	3.6% +6.9% YoY	3.3% +3.9% YoY	3.7% +5.0% YoY	31%
Efficiency Ratio	73.2% -1.1% YoY-8.1% QoQ	-4.1%	77.3% -3.0% YoY	67.2% -0.6% YoY	79.1% -3.3% YoY	35%
Delinquency Rate	0.1% -79.3% YoY+62.5% QoQ	-0.8	0.9% +7.6% YoY	0.9% +2.2% YoY	1.2% -0.9% YoY	Bottom 2.8% in tier
Loan To Share	62.4% +18.9% YoY+6.7% QoQ	-10.3%	72.7% -1.5% YoY	63.1% +0.5% YoY	68.0% -1.7% YoY	27%
AMR	$30,889 +3.3% YoY-0.9% QoQ	+$7K	$24,363 +2.9% YoY	$28,845 +4.1% YoY	$19,418 +1.3% YoY	Top 14.5% in tier
CD Concentration	18.6% +12.2% YoY+14.5% QoQ	-5.8%	24.4% +4.2% YoY	18.3% +6.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	42.8% +13.5% YoY+7.6% QoQ	+28.8%	14.0% -5.7% YoY	22.8% -3.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Credit Quality Leader

growth

#32 of 340 • Top 9.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.06%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.22% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Organic Growth Engine

growth

#262 of 603 • Top 14.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.84%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.88%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 42.75%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Relationship Depth Leader

growth

#173 of 257 • Top 67.2% 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): 3.29%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $5.7K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#230 of 525 • Bottom 14.3% in tier

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

Why This Signature

Asset Growth (YoY): 3.40%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 42.75%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 4.84%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 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 1077 peers in tier

Top Strengths (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.06%

Peer Avg: -

#31 of 1077 Top 2.8% in 100M-500M tier

Loan Growth Rate

growth

Value: 20.87%

Peer Avg: -

#36 of 1077 Top 3.2% in 100M-500M tier

107

Member Growth Rate

growth

Value: 4.84%

Peer Avg: -

#107 of 1077 Top 9.8% in 100M-500M tier

156

Average Member Relationship (AMR)

engagement

Value: $30,889

Peer Avg: -

#156 of 1077 Top 14.4% in 100M-500M tier

259

Total Deposits

balance_sheet

Value: $272.09M

Peer Avg: -

#259 of 1077 Top 24.0% in 100M-500M tier

269

Net Charge-Off Rate

risk

Value: 0.16%

Peer Avg: -

#269 of 1077 Top 24.9% in 100M-500M tier

Top Weaknesses (2 metrics)

1001

Indirect Auto Concentration (%)

balance_sheet

Value: 42.75%

Peer Avg: -

#1001 of 1077 Bottom 7.1% in 100M-500M tier

989

Fee Income Per Member

profitability

Value: $82.40

Peer Avg: -

#989 of 1077 Bottom 8.3% in 100M-500M tier