PLUS

Charter #86756 | NV

100M-500M (1077 CUs) Micro
6 100M-500M in NV

PLUS has 5 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 3.8% in tier
  • + Relationship Depth Leader: Top 11.4% in tier
  • + Emerging Performer: Top 30.8% in tier
  • + Total Delinquency Rate (60+ days): Top 4.2% in tier
  • + AMR Growth Rate: Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 13.8% in tier
  • - Liquidity Overhang: Bottom 17.0% in tier
  • - Efficiency Drag: Bottom 17.0% in tier
  • - Stagnation Risk: Bottom 26.0% in tier
  • - ROA 0.43% below tier average
  • - Efficiency ratio 11.81% above tier (higher cost structure)
  • - Member decline: -3.0% YoY
  • - Total Loans: Bottom 5.5% in tier
  • - Loan-to-Share Ratio: Bottom 7.1% in tier
  • - First Mortgage Concentration (%): Bottom 7.2% in tier
  • - Fee Income Per Member: Bottom 9.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Members 8,595
-3.0% YoY+0.2% QoQ
 -7.0K 15,628
-3.4% YoY
 31,753
+2.4% YoY
 33,089
+6.1% YoY
 Bottom 20.1% in tier
Assets $124.8M
+8.4% YoY-4.0% QoQ
 $-106.5M $231.3M
-0.0% YoY
 $652.3M
+3.7% YoY
 $547.7M
+7.8% YoY
 Bottom 16.6% in tier
Loans $50.7M
+3.8% YoY+0.1% QoQ
 $-97.1M $147.8M
-1.4% YoY
 $403.3M
+6.9% YoY
 $388.7M
+8.6% YoY
 Bottom 5.4% in tier
Deposits $109.8M
+9.0% YoY-4.8% QoQ
 $-90.5M $200.3M
-0.0% YoY
 $580.1M
+3.6% YoY
 $464.6M
+9.3% YoY
 Bottom 18.1% in tier
ROA 0.4%
-56.1% YoY+1.1% QoQ
 -0.4% 0.8%
+15.5% YoY
 1.0%
-0.0% YoY
 0.7%
+273.4% YoY
 Bottom 21.7% in tier
NIM 3.1%
-11.6% YoY+2.4% QoQ
 -0.5% 3.6%
+6.9% YoY
 3.3%
+3.9% YoY
 3.7%
+5.0% YoY
 Bottom 24.6% in tier
Efficiency Ratio 89.1%
+12.1% YoY-0.4% QoQ
 +11.8% 77.3%
-3.0% YoY
 67.2%
-0.6% YoY
 79.1%
-3.3% YoY
 Top 12.0% in tier
Delinquency Rate 0.1%
-28.9% YoY+9.2% QoQ
 -0.8 0.9%
+7.6% YoY
 0.9%
+2.2% YoY
 1.2%
-0.9% YoY
 Bottom 4.2% in tier
Loan To Share 46.1%
-4.8% YoY+5.1% QoQ
 -26.6% 72.7%
-1.5% YoY
 63.1%
+0.5% YoY
 68.0%
-1.7% YoY
 Bottom 7.0% in tier
AMR $18,671
+10.6% YoY-3.4% QoQ
 $-6K $24,363
+2.9% YoY
 $28,845
+4.1% YoY
 $19,418
+1.3% YoY
 27th in tier
CD Concentration 21.4%
+37.7% YoY+0.1% QoQ
 -3.1% 24.4%
+4.2% YoY
 18.3%
+6.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 8.8%
-16.4% YoY-7.8% QoQ
 -5.1% 14.0%
-5.8% YoY
 22.8%
-3.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#105 of 1006 • Top 3.8% in tier

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

Why This Signature
AMR Growth (YoY): 10.58%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#315 of 1006 • Top 11.4% in tier

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

Why This Signature
AMR Growth (YoY): 10.58%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.2K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#578 of 627 • Top 30.8% in tier

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

Why This Signature
Return on Assets: 0.36%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -2.99%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (4)

Membership Headwinds

decline
#228 of 550 • Bottom 13.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.99%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Liquidity Overhang

risk
#263 of 552 • Bottom 17.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.34%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 46.13%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Efficiency Drag

risk
#301 of 521 • Bottom 17.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 89.09%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.45% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -2.99%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Stagnation Risk

risk
#428 of 550 • Bottom 26.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.36%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.99%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $18.7K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 21.36%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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)

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

46
Total Delinquency Rate (60+ days)
risk
Value: 0.09%
Peer Avg: 0.86%
#46 of 1077 Top 4.2% in 100M-500M tier
84
AMR Growth Rate
growth
Value: 10.58%
Peer Avg: 3.64%
#84 of 1077 Top 7.7% in 100M-500M tier
167
Deposit Growth Rate
growth
Value: 8.97%
Peer Avg: 4.69%
#167 of 1077 Top 15.4% in 100M-500M tier
184
Net Charge-Off Rate
risk
Value: 0.11%
Peer Avg: 0.47%
#184 of 1077 Top 17.0% in 100M-500M tier
194
Asset Growth Rate
growth
Value: 8.42%
Peer Avg: 4.70%
#194 of 1077 Top 17.9% in 100M-500M tier

Top Weaknesses (12 metrics)

1019
Total Loans
balance_sheet
Value: $50.66M
Peer Avg: $147.80M
#1019 of 1077 Bottom 5.5% in 100M-500M tier
1002
Loan-to-Share Ratio
balance_sheet
Value: 46.13%
Peer Avg: 72.70%
#1002 of 1077 Bottom 7.1% in 100M-500M tier
1000
First Mortgage Concentration (%)
balance_sheet
Value: 57.52%
Peer Avg: 30.43%
#1000 of 1077 Bottom 7.2% in 100M-500M tier
981
Fee Income Per Member
profitability
Value: $84.45
Peer Avg: $174.31
#981 of 1077 Bottom 9.0% in 100M-500M tier
949
Efficiency Ratio
profitability
Value: 89.09%
Peer Avg: 77.28%
#949 of 1077 Bottom 12.0% in 100M-500M tier
938
Loan-to-Member Ratio (LMR)
engagement
Value: $5,894
Peer Avg: $10,245
#938 of 1077 Bottom 13.0% in 100M-500M tier
898
Total Assets
balance_sheet
Value: $124.77M
Peer Avg: $231.30M
#898 of 1077 Bottom 16.7% in 100M-500M tier
882
Total Deposits
balance_sheet
Value: $109.82M
Peer Avg: $200.29M
#882 of 1077 Bottom 18.2% in 100M-500M tier
881
Member Growth Rate
growth
Value: -2.99%
Peer Avg: 0.72%
#881 of 1077 Bottom 18.3% in 100M-500M tier
861
Total Members
engagement
Value: 8,595
Peer Avg: 15,628
#861 of 1077 Bottom 20.1% in 100M-500M tier