BlastPoint's Credit Union Scorecard

PLUS

Charter #86756 · NV

100M-500M

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

PLUS has 3 strengths but faces 8 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 Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Charge-Off Rate: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.26% below tier average
- Efficiency ratio 9.94% above tier (higher cost structure)
- Total Loans: Bottom 6.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Members	8,717 +1.5% YoY+0.2% QoQ	-6.4K	15,145 -2.5% YoY	32,180 +2.8% YoY	33,913 +5.7% YoY	23%
Assets	$126.0M -1.3% YoY-2.2% QoQ	$-105.7M	$231.7M +0.8% YoY	$671.4M +1.9% YoY	$578.3M +9.0% YoY	17%
Loans	$52.2M +5.5% YoY+1.9% QoQ	$-92.0M	$144.1M +0.2% YoY	$412.3M +6.6% YoY	$402.4M +8.7% YoY	Bottom 6.6% in tier
Deposits	$110.8M -2.4% YoY-2.5% QoQ	$-90.4M	$201.1M +0.4% YoY	$596.1M +1.1% YoY	$494.3M +9.1% YoY	18%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% +45.8% YoY+20.8% QoQ	-0.3%	0.7% +5.1% YoY	1.1% +7.8% YoY	0.4% -39.2% YoY	34%
NIM	3.1% +1.7% YoY-3.0% QoQ	-0.6%	3.6% +4.6% YoY	3.4% +4.6% YoY	3.8% +4.1% YoY	19%
Efficiency Ratio	88.0% -2.7% YoY-0.5% QoQ	+9.9%	78.0% -1.7% YoY	66.3% -4.8% YoY	84.6% +2.8% YoY	80%
Delinquency Rate	0.2% +36.6% YoY+21.0% QoQ	-0.6	0.8% +7.1% YoY	0.7% -19.9% YoY	1.2% +3.4% YoY	Top 11.6% in tier
Loan To Share	47.1% +8.0% YoY+4.6% QoQ	-23.3%	70.4% -0.4% YoY	62.0% +3.3% YoY	65.6% -1.4% YoY	Bottom 8.9% in tier
AMR	$18,695 -1.5% YoY-1.4% QoQ	$-6K	$24,918 +2.7% YoY	$29,327 +2.2% YoY	$19,920 +1.6% YoY	25%
CD Concentration	18.0% -20.3% YoY-12.3% QoQ	-6.2%	24.3%	17.9%	19.8%	50%
Indirect Auto %	8.7% -15.0% YoY+7.1% QoQ	-5.1%	13.8%	23.4%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#260 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.54%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 8.71%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#327 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.54%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.47%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 8.71%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (5)

Efficiency Drag

risk

#138 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 87.96%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.15% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 1.54%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Deposit Outflow

decline

#51 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -2.36%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 1.54%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Shrinking Wallet Share

decline

#175 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.49%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Risk Growth

risk

#371 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): 5.49%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.05% points

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

worse than tier avg

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

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

Credit Quality Pressure

risk

#590 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): 0.05% points

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

worse 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 (2 metrics)

Net Charge-Off Rate

risk

Value: 0.02%

Peer Median: 0.35%

#97 of 1070 Top 9.0% in 100M-500M tier

125

Total Delinquency Rate (60+ days)

risk

Value: 0.18%

Peer Median: 0.61%

#125 of 1070 Top 11.6% in 100M-500M tier

Top Weaknesses (13 metrics)

999

Total Loans

balance_sheet

Value: $52.18M

Peer Median: $121.41M

#999 of 1070 Bottom 6.7% in 100M-500M tier

985

First Mortgage Concentration (%)

balance_sheet

Value: 56.80%

Peer Median: 29.47%

#985 of 1070 Bottom 8.0% in 100M-500M tier

977

Deposit Growth Rate

growth

Value: -2.36%

Peer Median: 3.30%

#977 of 1070 Bottom 8.8% in 100M-500M tier

975

Loan-to-Share Ratio

balance_sheet

Value: 47.10%

Peer Median: 71.88%

#975 of 1070 Bottom 9.0% in 100M-500M tier

954

Asset Growth Rate

growth

Value: -1.30%

Peer Median: 3.91%

#954 of 1070 Bottom 10.9% in 100M-500M tier

942

Fee Income Per Member

profitability

Value: $84.20

Peer Median: $154.95

#942 of 1070 Bottom 12.1% in 100M-500M tier

927

AMR Growth Rate

growth

Value: -1.49%

Peer Median: 3.46%

#927 of 1070 Bottom 13.5% in 100M-500M tier

927

Loan-to-Member Ratio (LMR)

engagement

Value: $5,986

Peer Median: $9,356

#927 of 1070 Bottom 13.5% in 100M-500M tier

888

Total Assets

balance_sheet

Value: $126.04M

Peer Median: $196.57M

#888 of 1070 Bottom 17.1% in 100M-500M tier

881

Total Deposits

balance_sheet

Value: $110.78M

Peer Median: $171.29M

#881 of 1070 Bottom 17.8% in 100M-500M tier