BOULDER DAM

Charter #96084 | NV

750M-1B (112 CUs) Community (281 CUs)
1 750M-1B in NV

BOULDER DAM has 9 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 1.8% in tier
  • + Wallet Share Momentum: Top 8.6% 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
  • - Liquidity Overhang: Bottom 6.1% 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
 48th in tier
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
 58th in tier
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
 Top 17.0% in tier
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%
-5.8% YoY
 22.8%
-3.2% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#52 of 1006 • Top 1.8% in tier

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

Why This Signature
AMR Growth (YoY): 7.50%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.3K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#237 of 1006 • Top 8.6% in tier

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

Why This Signature
AMR Growth (YoY): 7.50%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (3)

Stagnation Risk

risk
#74 of 550 • Bottom 4.4% 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: 1.29%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.21%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $54.6K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 0.00%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Liquidity Overhang

risk
#96 of 552 • Bottom 6.1% 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: 14.06%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 46.79%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Membership Headwinds

decline
#442 of 550 • Bottom 26.8% in tier

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

Why This Signature
Member Growth (YoY): -1.21%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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)

Comparing against 112 peers in tier

Top Strengths (12 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.60%
#1 of 112 Top 0.0% in 750M-1B tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 28.34%
#1 of 112 Top 0.0% in 750M-1B tier
2
Total Delinquency Rate (60+ days)
risk
Value: 0.06%
Peer Avg: 0.82%
#2 of 112 Top 0.9% in 750M-1B tier
4
Average Member Relationship (AMR)
engagement
Value: $54,573
Peer Avg: $28,651
#4 of 112 Top 2.7% in 750M-1B tier
5
Efficiency Ratio
profitability
Value: 50.16%
Peer Avg: 74.52%
#5 of 112 Top 3.6% in 750M-1B tier
10
Net Charge-Off Rate
risk
Value: 0.12%
Peer Avg: 0.61%
#10 of 112 Top 8.0% in 750M-1B tier
13
Loan-to-Member Ratio (LMR)
engagement
Value: $17,395
Peer Avg: $12,810
#13 of 112 Top 10.7% in 750M-1B tier
15
Loan Growth Rate
growth
Value: 12.37%
Peer Avg: 4.84%
#15 of 112 Top 12.5% in 750M-1B tier
17
Net Worth Ratio
risk
Value: 14.06%
Peer Avg: 11.52%
#17 of 112 Top 14.3% in 750M-1B tier
19
Return on Assets (ROA)
profitability
Value: 1.29%
Peer Avg: 0.71%
#19 of 112 Top 16.1% in 750M-1B tier

Top Weaknesses (6 metrics)

111
First Mortgage Concentration (%)
balance_sheet
Value: 80.88%
Peer Avg: 33.64%
#111 of 112 Bottom 1.8% in 750M-1B tier
110
Total Members
engagement
Value: 19,990
Peer Avg: 52,114
#110 of 112 Bottom 2.7% in 750M-1B tier
107
Loan-to-Share Ratio
balance_sheet
Value: 46.79%
Peer Avg: 82.66%
#107 of 112 Bottom 5.4% in 750M-1B tier
107
Total Loans
balance_sheet
Value: $347.72M
Peer Avg: $603.36M
#107 of 112 Bottom 5.4% in 750M-1B tier
105
Fee Income Per Member
profitability
Value: $86.04
Peer Avg: $204.75
#105 of 112 Bottom 7.1% in 750M-1B tier
101
Net Interest Margin (NIM)
profitability
Value: 2.52%
Peer Avg: 3.38%
#101 of 112 Bottom 10.7% in 750M-1B tier