BlastPoint's Credit Union Scorecard
PLUS
Charter #86756 · NV
PLUS has 1 strength but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 19.7% in tier
- - Credit Quality Pressure: Bottom 78.5% in tier
- - Credit Risk Growth: Bottom 87.5% in tier
- - ROA 0.38% below tier average
- - Efficiency ratio 11.35% above tier (higher cost structure)
- - Total Loans: Bottom 5.8% in tier
- - Loan-to-Share Ratio: Bottom 6.6% in tier
- - First Mortgage Concentration (%): Bottom 6.6% in tier
- - Fee Income Per Member: Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,696
+0.1% YoY+1.2% QoQ
|
-6.7K |
15,437
-2.9% YoY
|
31,880
+2.5% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$128.9M
+4.1% YoY+3.3% QoQ
|
$-103.0M |
$231.9M
+1.3% YoY
|
$660.6M
+4.0% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$51.2M
+3.3% YoY+1.1% QoQ
|
$-96.1M |
$147.3M
-0.1% YoY
|
$406.3M
+6.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.7% in tier |
| Deposits |
$113.7M
+3.2% YoY+3.5% QoQ
|
$-87.1M |
$200.8M
+0.8% YoY
|
$587.0M
+2.8% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
0.4%
-49.5% YoY+8.7% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.9%
+27.5% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
3.2%
-7.2% YoY+1.4% QoQ
|
-0.4% |
3.6%
+6.7% YoY
|
3.3%
+5.5% YoY
|
3.8%
+5.1% YoY
|
25% |
| Efficiency Ratio |
88.4%
+9.9% YoY-0.8% QoQ
|
+11.3% |
77.0%
-3.1% YoY
|
68.1%
-5.4% YoY
|
79.7%
-3.3% YoY
|
Top 13.2% in tier |
| Delinquency Rate |
0.2%
+118.2% YoY+60.7% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
0.8%
-19.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 7.4% in tier |
| Loan To Share |
45.0%
+0.1% YoY-2.4% QoQ
|
-27.2% |
72.2%
-1.1% YoY
|
62.7%
+2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.5% in tier |
| AMR |
$18,961
+3.1% YoY+1.6% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$29,144
+3.1% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
20.6%
+37.3% YoY-3.6% QoQ
|
-3.8% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
8.1%
-23.6% YoY-8.0% QoQ
|
-5.7% | 13.8% | 22.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)