BlastPoint's Credit Union Scorecard
BOULDER DAM
Charter #96084 · NV
BOULDER DAM has 6 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 47.9% in tier
- + ROA 0.61% above tier average
- + Net Charge-Off Rate: Top 0.9% in tier
- + Average Member Relationship (AMR): Top 3.4% in tier
- + Efficiency Ratio: Top 6.0% in tier
- + Loan-to-Member Ratio (LMR): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 25.6% in tier
- - Credit Quality Pressure: Bottom 32.2% in tier
- - Membership Headwinds: Bottom 64.2% in tier
- - Stagnation Risk: Bottom 64.2% in tier
- - First Mortgage Concentration (%): Bottom 1.7% in tier
- - Total Members: Bottom 2.6% in tier
- - Total Loans: Bottom 5.1% in tier
- - Loan-to-Share Ratio: Bottom 5.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,909
-1.1% YoY+0.1% QoQ
|
-31.6K |
51,500
+0.7% YoY
|
32,180
+2.8% YoY
|
33,913
+5.7% YoY
|
Bottom 1.7% in tier |
| Assets |
$865.0M
+2.1% YoY-0.0% QoQ
|
$-623K |
$865.6M
+0.9% YoY
|
$671.4M
+1.9% YoY
|
$578.3M
+9.0% YoY
|
51% |
| Loans |
$358.0M
+7.8% YoY+1.6% QoQ
|
$-237.3M |
$595.3M
+1.6% YoY
|
$412.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.3% in tier |
| Deposits |
$746.6M
+0.2% YoY-0.3% QoQ
|
+$4.4M |
$742.2M
+0.6% YoY
|
$596.1M
+1.1% YoY
|
$494.3M
+9.1% YoY
|
54% |
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| ROA |
1.4%
+2.0% YoY+11.6% QoQ
|
+0.6% |
0.8%
+45.0% YoY
|
1.1%
+7.8% YoY
|
0.4%
-39.2% YoY
|
84% |
| NIM |
2.8%
+8.3% YoY+13.0% QoQ
|
-0.7% |
3.5%
+6.1% YoY
|
3.4%
+4.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 12.8% in tier |
| Efficiency Ratio |
53.4%
+4.8% YoY+3.0% QoQ
|
-22.1% |
75.5%
-3.4% YoY
|
66.3%
-4.8% YoY
|
84.6%
+2.8% YoY
|
Top 6.0% in tier |
| Delinquency Rate |
0.2%
+177.8% YoY+169.3% QoQ
|
-0.5 |
0.7%
-0.1% YoY
|
0.7%
-19.9% YoY
|
1.2%
+3.4% YoY
|
Top 13.7% in tier |
| Loan To Share |
47.9%
+7.6% YoY+1.9% QoQ
|
-32.7% |
80.6%
+0.7% YoY
|
62.0%
+3.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 4.3% in tier |
| AMR |
$55,480
+3.7% YoY+0.1% QoQ
|
+$27K |
$28,908
+0.7% YoY
|
$29,327
+2.2% YoY
|
$19,920
+1.6% YoY
|
Top 4.3% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 17.9% | 19.8% | Bottom 0.1% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 23.4% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)