BlastPoint's Credit Union Scorecard

SILVER STATE SCHOOLS

Charter #97085 · NV

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 4 in NV

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SILVER STATE SCHOOLS has 5 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NV Analysis

How does NV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 14.5% in tier
+ Organic Growth Engine: Top 31.7% in tier
+ ROA 0.29% above tier average
+ Net Interest Margin 0.25% above tier average
+ Strong member growth: 5.5% YoY

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 54.4% in tier
- Shrinking Wallet Share: Bottom 98.7% in tier
- Indirect Auto Concentration (%): Bottom 6.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Members	67,184 +5.5% YoY+1.7% QoQ	-30.2K	97,431 -2.4% YoY	31,880 +2.5% YoY	33,374 +5.7% YoY	22%
Assets	$1.3B +2.3% YoY+0.5% QoQ	$-444.9M	$1.7B +0.9% YoY	$660.6M +4.0% YoY	$561.6M +9.7% YoY	28%
Loans	$995.5M +10.9% YoY+4.3% QoQ	$-239.0M	$1.2B +0.5% YoY	$406.3M +6.8% YoY	$397.0M +8.8% YoY	35%
Deposits	$1.2B +0.3% YoY+0.4% QoQ	$-298.8M	$1.5B +0.9% YoY	$587.0M +2.8% YoY	$477.3M +9.7% YoY	38%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +567.5% YoY+5.6% QoQ	+0.3%	0.7% +20.9% YoY	0.9% +27.5% YoY	0.7% +15.9% YoY	76%
NIM	3.5% +24.9% YoY-1.8% QoQ	+0.3%	3.3% +9.2% YoY	3.3% +5.5% YoY	3.8% +5.1% YoY	67%
Efficiency Ratio	67.9% -13.5% YoY-5.1% QoQ	-6.1%	74.1% -9.5% YoY	68.1% -5.4% YoY	79.7% -3.3% YoY	26%
Delinquency Rate	0.6% -19.5% YoY+15.8% QoQ	-0.3	0.9% +6.2% YoY	0.8% -19.2% YoY	1.3% -2.1% YoY	32%
Loan To Share	85.8% +10.6% YoY+3.9% QoQ	+1.0%	84.8% -0.8% YoY	62.7% +2.7% YoY	67.4% -1.7% YoY	45%
AMR	$32,091 -0.5% YoY+0.5% QoQ	+$3K	$29,428 +2.4% YoY	$29,144 +3.1% YoY	$19,687 +2.0% YoY	72%
CD Concentration	23.2% -20.7% YoY-3.5% QoQ	-5.9%	29.0%	18.3%	19.8%	25%
Indirect Auto %	46.8% -5.7% YoY-0.1% QoQ	+28.5%	18.3%	22.8%	7.8%	Top 6.1% in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth

#12 of 77 • Top 14.5% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.98%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Member Growth (YoY): 5.50%

(Tier: 3.43%, National: 4.32%)

better than tier avg

77 of 378 Mid-Market CUs have this signature | 282 nationally

→ No prior data (77 CUs now) | New qualifier

Organic Growth Engine

growth

#79 of 247 • Top 31.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.50%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Return on Assets: 0.98%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 46.84%

(Tier: 18.31%, National: 7.78%)

but worse than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#107 of 196 • Bottom 54.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.26%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 46.84%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 5.50%

(Tier: 3.43%, National: 4.32%)

but better than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#78 of 79 • Bottom 98.7% in tier

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

Why This Signature

AMR Growth (YoY): -0.53%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

79 of 378 Mid-Market CUs have this signature | 303 nationally

↓ Shrinking -33 CUs YoY | New qualifier

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 302 peers in tier

Top Strengths (3 metrics)

Member Growth Rate

growth

Value: 5.50%

Peer Median: -

#48 of 302 Top 15.6% in 1B-3B tier

Loan Growth Rate

growth

Value: 10.92%

Peer Median: -

#53 of 302 Top 17.2% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 0.98%

Peer Median: -

#71 of 302 Top 23.2% in 1B-3B tier

Top Weaknesses (4 metrics)

284

Indirect Auto Concentration (%)

balance_sheet

Value: 46.84%

Peer Median: -

#284 of 302 Bottom 6.3% in 1B-3B tier

258

Deposit Growth Rate

growth

Value: 0.30%

Peer Median: -

#258 of 302 Bottom 14.9% in 1B-3B tier

239

AMR Growth Rate

growth

Value: -0.53%

Peer Median: -

#239 of 302 Bottom 21.2% in 1B-3B tier

234

Total Members

engagement

Value: 67,184

Peer Median: -

#234 of 302 Bottom 22.8% in 1B-3B tier