BlastPoint's Credit Union Scorecard
SILVER STATE SCHOOLS
Charter #97085 · NV
SILVER STATE SCHOOLS has 5 strengths but faces 3 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
- + Organic Growth Engine: Top 15.1% in tier
- + Emerging Performer: Top 23.9% in tier
- + ROA 0.22% above tier average
- + Net Interest Margin 0.33% above tier average
- + Strong member growth: 5.3% YoY
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 13.6% in tier
- - Shrinking Wallet Share: Bottom 18.5% in tier
- - Indirect Auto Concentration (%): Bottom 6.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
66,091
+5.3% YoY+1.0% QoQ
|
-32.6K |
98,678
-1.9% YoY
|
31,753
+2.4% YoY
|
33,089
+6.1% YoY
|
21% |
| Assets |
$1.3B
+2.5% YoY+0.2% QoQ
|
$-447.8M |
$1.7B
+0.5% YoY
|
$652.3M
+3.7% YoY
|
$547.7M
+7.8% YoY
|
28% |
| Loans |
$954.2M
+5.2% YoY+3.1% QoQ
|
$-278.8M |
$1.2B
+0.5% YoY
|
$403.3M
+6.9% YoY
|
$388.7M
+8.6% YoY
|
34% |
| Deposits |
$1.2B
+1.5% YoY-0.5% QoQ
|
$-298.9M |
$1.5B
+1.3% YoY
|
$580.1M
+3.6% YoY
|
$464.6M
+9.3% YoY
|
37% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
+141.4% YoY+66.4% QoQ
|
+0.2% |
0.7%
+13.4% YoY
|
1.0%
-0.0% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
3.6%
+28.8% YoY+1.9% QoQ
|
+0.3% |
3.3%
+9.3% YoY
|
3.3%
+3.9% YoY
|
3.7%
+5.0% YoY
|
72% |
| Efficiency Ratio |
71.6%
-10.8% YoY-7.0% QoQ
|
-2.4% |
74.0%
-10.9% YoY
|
67.2%
-0.6% YoY
|
79.1%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.5%
-30.7% YoY-15.6% QoQ
|
-0.3 |
0.8%
+6.1% YoY
|
0.9%
+2.2% YoY
|
1.2%
-0.9% YoY
|
30% |
| Loan To Share |
82.6%
+3.6% YoY+3.6% QoQ
|
-2.6% |
85.2%
-0.8% YoY
|
63.1%
+0.5% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$31,920
-2.1% YoY+0.1% QoQ
|
+$3K |
$29,172
+2.8% YoY
|
$28,845
+4.1% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
24.0%
-17.5% YoY-1.5% QoQ
|
-5.0% |
29.0%
+0.7% YoY
|
18.3%
+6.3% YoY
|
19.6%
+6.2% YoY
|
27% |
| Indirect Auto % |
46.9%
-6.4% YoY-5.2% QoQ
|
+28.1% |
18.8%
-3.0% YoY
|
22.8%
-3.2% YoY
|
7.9%
-2.9% YoY
|
Top 6.8% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)