BlastPoint's Credit Union Scorecard
BOULDER DAM
Charter #96084 · NV
BOULDER DAM has 10 strengths but faces 8 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
- + Relationship Depth Leader: Top 37.5% in tier
- + Wallet Share Momentum: Top 76.4% in tier
- + ROA 0.48% 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 1.7% in tier
- + Average Member Relationship (AMR): Top 3.4% in tier
- + Efficiency Ratio: Top 5.1% in tier
- + Net Charge-Off Rate: Top 6.0% in tier
- + Loan-to-Member Ratio (LMR): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 83.9% in tier
- - Stagnation Risk: Bottom 99.5% in tier
- - First Mortgage Concentration (%): Bottom 1.7% in tier
- - Total Members: Bottom 2.6% in tier
- - Total Loans: Bottom 4.3% in tier
- - Loan-to-Share Ratio: Bottom 5.1% in tier
- - Fee Income Per Member: Bottom 7.7% in tier
- - Net Interest Margin (NIM): Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,880
-1.1% YoY-0.6% QoQ
|
-32.2K |
52,084
-1.6% YoY
|
31,880
+2.5% YoY
|
33,374
+5.7% YoY
|
Bottom 1.7% in tier |
| Assets |
$865.0M
+4.3% YoY+1.1% QoQ
|
+$1.1M |
$863.9M
+0.5% YoY
|
$660.6M
+4.0% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$352.4M
+10.6% YoY+1.3% QoQ
|
$-253.4M |
$605.8M
+1.4% YoY
|
$406.3M
+6.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.4% in tier |
| Deposits |
$749.1M
+2.7% YoY+0.8% QoQ
|
+$11.8M |
$737.3M
+0.1% YoY
|
$587.0M
+2.8% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
1.2%
+2.4% YoY-4.5% QoQ
|
+0.5% |
0.7%
+39.1% YoY
|
0.9%
+27.5% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
2.4%
+4.0% YoY-3.0% QoQ
|
-1.0% |
3.4%
+8.7% YoY
|
3.3%
+5.5% YoY
|
3.8%
+5.1% YoY
|
Bottom 7.7% in tier |
| Efficiency Ratio |
51.9%
-2.1% YoY+3.5% QoQ
|
-22.4% |
74.3%
-3.6% YoY
|
68.1%
-5.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.1% in tier |
| Delinquency Rate |
0.1%
-34.0% YoY+40.0% QoQ
|
-0.8 |
0.9%
+3.8% YoY
|
0.8%
-19.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 1.7% in tier |
| Loan To Share |
47.0%
+7.7% YoY+0.6% QoQ
|
-35.5% |
82.6%
+1.1% YoY
|
62.7%
+2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.3% in tier |
| AMR |
$55,407
+6.3% YoY+1.5% QoQ
|
+$27K |
$28,873
+2.7% YoY
|
$29,144
+3.1% YoY
|
$19,687
+2.0% YoY
|
Top 4.3% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.3% | 19.8% | Bottom 0.0% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 22.8% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
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.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)