BlastPoint's Credit Union Scorecard
BOULDER DAM
Charter #96084 · NV
BOULDER DAM has 11 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does NV stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 9.4% in tier
- + Relationship Depth Leader: Top 23.4% in tier
- + Wallet Share Momentum: Top 49.2% in tier
- + Profitability Leader: Top 68.7% in tier
- + ROA 0.58% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 0.9% in tier
- + Average Member Relationship (AMR): Top 2.7% in tier
- + Efficiency Ratio: Top 3.6% in tier
- + Net Charge-Off Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 4.4% in tier
- - Membership Headwinds: Bottom 26.8% in tier
- - First Mortgage Concentration (%): Bottom 1.8% in tier
- - Total Members: Bottom 2.7% in tier
- - Loan-to-Share Ratio: Bottom 5.4% in tier
- - Total Loans: Bottom 5.4% in tier
- - Fee Income Per Member: Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,990
-1.2% YoY-0.3% QoQ
|
-32.1K |
52,114
-2.1% YoY
|
31,753
+2.4% YoY
|
33,089
+6.1% YoY
|
Bottom 1.8% in tier |
| Assets |
$855.8M
+4.5% YoY+0.4% QoQ
|
$-3.2M |
$859.0M
+0.0% YoY
|
$652.3M
+3.7% YoY
|
$547.7M
+7.8% YoY
|
48% |
| Loans |
$347.7M
+12.4% YoY+0.9% QoQ
|
$-255.6M |
$603.4M
+1.0% YoY
|
$403.3M
+6.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.5% in tier |
| Deposits |
$743.2M
+3.5% YoY-0.2% QoQ
|
+$9.0M |
$734.2M
+0.9% YoY
|
$580.1M
+3.6% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
1.3%
-5.3% YoY+10.5% QoQ
|
+0.6% |
0.7%
+27.6% YoY
|
1.0%
-0.0% YoY
|
0.7%
+273.4% YoY
|
83% |
| NIM |
2.5%
+1.5% YoY+5.1% QoQ
|
-0.9% |
3.4%
+9.6% YoY
|
3.3%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.8% in tier |
| Efficiency Ratio |
50.2%
+2.4% YoY-6.7% QoQ
|
-24.4% |
74.5%
-3.2% YoY
|
67.2%
-0.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.6% in tier |
| Delinquency Rate |
0.1%
-19.8% YoY-48.2% QoQ
|
-0.8 |
0.8%
+5.0% YoY
|
0.9%
+2.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.9% in tier |
| Loan To Share |
46.8%
+8.5% YoY+1.1% QoQ
|
-35.9% |
82.7%
+0.1% YoY
|
63.1%
+0.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.5% in tier |
| AMR |
$54,573
+7.5% YoY+0.4% QoQ
|
+$26K |
$28,651
+2.5% YoY
|
$28,845
+4.1% YoY
|
$19,418
+1.3% YoY
|
Top 3.6% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.3%
+6.3% YoY
|
19.6%
+6.2% YoY
|
Bottom 0.0% in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
22.8%
-3.2% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (4)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)