BlastPoint's Credit Union Scorecard

SILVER STATE SCHOOLS

Charter #97085 · NV

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

SILVER STATE SCHOOLS has 5 strengths but faces 5 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 37.6% in tier
+ ROA 0.11% above tier average
+ Net Interest Margin 0.39% above tier average
+ Strong member growth: 7.8% YoY
+ Loan Growth Rate: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 9.2% in tier
- Credit Quality Pressure: Bottom 55.5% in tier
- Indirect Auto Dependency: Bottom 73.7% in tier
- Shrinking Wallet Share: Bottom 85.5% in tier
- Indirect Auto Concentration (%): Bottom 4.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Members	68,633 +7.8% YoY+2.2% QoQ	-27.4K	96,048 -2.7% YoY	32,180 +2.8% YoY	33,913 +5.7% YoY	26%
Assets	$1.3B +2.5% YoY+2.9% QoQ	$-403.7M	$1.7B +0.4% YoY	$671.4M +1.9% YoY	$578.3M +9.0% YoY	32%
Loans	$1.0B +14.6% YoY+4.2% QoQ	$-176.1M	$1.2B +0.2% YoY	$412.3M +6.6% YoY	$402.4M +8.7% YoY	42%
Deposits	$1.2B -0.5% YoY+1.1% QoQ	$-292.4M	$1.5B +0.5% YoY	$596.1M +1.1% YoY	$494.3M +9.1% YoY	39%

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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	0.8% +82.8% YoY-15.6% QoQ	+0.1%	0.7% +27.6% YoY	1.1% +7.8% YoY	0.4% -39.2% YoY	64%
NIM	3.7% +10.3% YoY+6.0% QoQ	+0.4%	3.4% +6.2% YoY	3.4% +4.6% YoY	3.8% +4.1% YoY	76%
Efficiency Ratio	68.1% -15.4% YoY+0.3% QoQ	-6.5%	74.6% -3.0% YoY	66.3% -4.8% YoY	84.6% +2.8% YoY	24%
Delinquency Rate	0.5% +2.8% YoY-11.3% QoQ	-0.3	0.8% +6.9% YoY	0.7% -19.9% YoY	1.2% +3.4% YoY	35%
Loan To Share	88.5% +15.2% YoY+3.1% QoQ	+5.3%	83.2% -0.4% YoY	62.0% +3.3% YoY	65.6% -1.4% YoY	60%
AMR	$32,212 -1.6% YoY+0.4% QoQ	+$3K	$29,652 +2.3% YoY	$29,327 +2.2% YoY	$19,920 +1.6% YoY	70%
CD Concentration	22.3% -12.3% YoY-3.5% QoQ	-6.5%	28.8%	17.9%	19.8%	22%
Indirect Auto %	48.8% -1.9% YoY+4.3% QoQ	+30.8%	18.1%	23.4%	7.7%	Bottom 3.9% in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth

#22 of 79 • Top 37.6% 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: 0.83%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 7.77%

(Tier: 3.50%, National: 10.19%)

better than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (4)

Credit Risk Growth

risk

#94 of 183 • Bottom 9.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 14.64%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Indirect Auto Dependency

risk

#105 of 198 • Bottom 73.7% in tier

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

Why This Signature

Asset Growth (YoY): 2.52%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 48.84%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 7.77%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#56 of 82 • Bottom 85.5% in tier

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

Why This Signature

AMR Growth (YoY): -1.56%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Credit Quality Pressure

risk

#211 of 225 • Bottom 55.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 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 306 peers in tier

Top Strengths (5 metrics)

Loan Growth Rate

growth

Value: 14.64%

Peer Median: 5.67%

#28 of 306 Top 8.8% in 1B-3B tier

Member Growth Rate

growth

Value: 7.77%

Peer Median: 2.03%

#36 of 306 Top 11.4% in 1B-3B tier

Efficiency Ratio

profitability

Value: 68.13%

Peer Median: 75.16%

#73 of 306 Top 23.5% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 22.35%

Peer Median: 27.93%

#73 of 306 Top 23.5% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.74%

Peer Median: 3.37%

#75 of 306 Top 24.2% in 1B-3B tier

Top Weaknesses (4 metrics)

294

Indirect Auto Concentration (%)

balance_sheet

Value: 48.84%

Peer Median: 13.86%

#294 of 306 Bottom 4.2% in 1B-3B tier

274

Deposit Growth Rate

growth

Value: -0.47%

Peer Median: 4.44%

#274 of 306 Bottom 10.8% in 1B-3B tier

262

AMR Growth Rate

growth

Value: -1.56%

Peer Median: 3.15%

#262 of 306 Bottom 14.7% in 1B-3B tier

233

Net Charge-Off Rate

risk

Value: 0.77%

Peer Median: 0.51%

#233 of 306 Bottom 24.2% in 1B-3B tier