# CLARK COUNTY
LAS VEGAS, NV · NCUA charter 86752 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/clark-county-86752

Who the members are: state charter, organized 1951. 60,753 members of 130,000 potential (46.7% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.61B |
| Members | 60,753 (6.5% YoY) |
| Full-time staff | 215 |
| Net worth | $183.2M |
| Net worth ratio | 11.4% (p63 of band) |
| ROA (annualized) | 0.95% (p71 of band) |
| Total delinquency | 0.41% (p28 of band) |
| Net charge-offs (annualized) | 0.24% (p18 of band) |
| Loans / shares | 75% (p23 of band) |
| Cash / assets | 14.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.25% (p46 of band) |
| Operating expense / assets | 2.80% (p29 of band) |
| Vehicles % of loans | 28% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 4% (p10 of band) |
| Vehicle delinquency | 0.54% (p46 of band) |
| Vehicle NCO | 0.56% (p22 of band) |
| Repossessed % of vehicle book | 0.05% (p44 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 200% |
| Core shares % of member funds | 32% |
| Certificates % of member funds | 30% |
| Average share balance | $10,920 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $29,306 |
| Loans granted, annualized | $288.9M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | net worth falling | delinquency 2x band |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | net worth falling, members leaving |  |
| 2018-06 | 0 |  | net worth falling, members leaving |
| 2018-09 | 1 | members leaving |  |
| 2018-12 | 1 | delinquency rising | members leaving |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 0 |  | delinquency rising, net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 1 | net worth falling | delinquency rising |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | margin squeeze |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 1 | delinquency rising | assets shrinking |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 3 | margin squeeze |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | margin squeeze |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | net worth falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Create Credit Union Expands Nevada Presence With New Pahrump Branch - Nevada Business Magazine](https://news.google.com/rss/articles/CBMipgFBVV95cUxPVkctWjdKVWhfRlFpNXM3SWhlZnBCdGNZREZQZm93Q0JrbWE5cXhTaERZVUhnTmlJaFFTWWprQ2k5NHVCSUxhelFyaGtBeEtPNDVGVjk5eFBkcDN6dGNJdndFMDI3RHFzQmQzMTJyTlA3VzZ4RkotRmdJSkhNVHhiaGhkdU5jYVY0eVd3c3NUb3FfY19SekxaS0tEV2ItbGJzbXhLRi13?oc=5) · Nevada Business Magazine
- 2026-03-20 [Clark County Credit Union rebrands as Create Credit Union after 75 years - FOX5 Vegas](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPYUE4QTNYOXlaSlB4eF9iRWtSTnN2MjVuT3hjemdPX2VWSlZkZDFTOXY5WC1hS1htbjhpdE1qbTI2dDdvbjd1eTZzQlVHbEF2NmZ4VEpxUkR4MmVSLUZTOVRCZmhvWm9SOWxQSUdNdC1RbTZNQjZLbEQ2NXRaTXViUTM0am5qY2JZdHVfNjRQQXRvNGdFT3U4Q1BqaGktVnVjUlVIR05JOUNDZ2M?oc=5) · FOX5 Vegas
- 2026-03-19 [Clark County Credit Union changes name after 75 years - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxOajBKaDRWb09UY01CUWNjajlDV2g0bG1wMzQ3dVN6NGlrdUUyREZKSkJmQUZKcVFuRkFDS3FGd085OWtkbi12aUZLRUE1UzlWTXlBMHBfTlZubDBHRk1DUF9EcG5DTmxiR05IVXRHdi1fTDZRZE5XelFycjcxZ3VOZ0xjNEVadXhGajNCZDlZYXBKQ2VMZTl6dWJZOERiSWVzX19B?oc=5) · Las Vegas Review-Journal
- 2026-04-02 [Clark County Credit Union rebrands as Create Credit Union in landmark 75th anniversary year - CUInsight](https://news.google.com/rss/articles/CBMizAFBVV95cUxOeGs0TlgzTHFZaEZuMVZPNzZmM1J3eEJxQ19EeGJFTmp5STRCbnZDNzUwNlpwYU5BM3RKQm5Tc2FWN0RvRnh6em1yeno3YmZlT2VlalZ1RHQ5MTFsQndzd3ZGa2JUcTBHTjR1SWR6ZGZCTlFyOTFZcmhxR3daZzYyX3pLOW5PVEtMYktXcFRKMGdERjNnUW1WQ0loOGkwSXZvTF9LWXl6emlNXzlQV2tlWUp4TDB3N3hxcm16bjJWaWJwZVcxOUo5M2RXT00?oc=5) · CUInsight
- 2025-12-30 [CCCU marks 75 years of service in Southern Nevada - KLAS 8 News Now](https://news.google.com/rss/articles/CBMilgFBVV95cUxPdjRid2ZodFdJNFRJbGNzTlFsVEF0UjNXSEpFOVVjRE1pR2FnOGJEZ25lVUM5SktRNzJtVWdtZDEwZTZhT1F6WUVMbC1sdC1YTHN3SXNocTh5dXpTTkRvQ3VzMWNTdFBJd3BPNy1qa1o0X0tCalpoWDFiekxoQjZveHpjMmpqcUVYdTc5SW9ybXM3TXdzbVHSAZsBQVVfeXFMT3pJd19pZzZvY3dvdmwwekZ3ZDV3X3F3aE9vc1luaGNZLVpXY2JHNUNHaVJKMjhsRDFnX3VUZnVCZUhOQXl4czBlX1U0SFJDaTYzRnh6OGVWYzFad3VPMEVRWUp3R2xmV1llbWpOMjdjVVRNS0VSdkJuWFRsWWVoVW1zUDZFRGhlR3ctY1l6a2dSY1JDU2Z4SGtDQ0U?oc=5) · KLAS 8 News Now
- 2026-03-12 [Create Credit Union | 3/12/26 - ktnv.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE9nQmpuOEQxTjVSVFVjWDZQRGZsS2VRM29zV3Q1ZG5Nb0M3RXpjUi1QYmpyU3pnOTI2d2N6VHVBTS1ZT1Y0SnlBbjBJbGFpMVRZX0RqdU8tbTlLa0hXQmY2aG0ycDVYX1hWNk9PQk5B?oc=5) · ktnv.com
- 2026-01-06 [Clark County Credit Union Celebrates 75 Years of Fulfilling Financial Goals and Dreams - Nevada Business Magazine](https://news.google.com/rss/articles/CBMivwFBVV95cUxNSi1wdWJvY1o1emp1UjM5aXEwMzdtVTI1RmN3ZDBLWHRZZHFMbjJtLXlKNzVGUHV3aUh4RExqdEdQQVBQb2xBU3NEcXI5MEJubmYzNHo5ZmNhNlhiX3BCbzBGMnNRVTZ3STJBTHd5Vk1EZkxIZ3BkNTEwTWlzRFVUU1F2ajYtVi11ZloxMU1zNk1ySkZWZ3J3MXc2OEFEN3Bnai1oR1BBb2o5VThEd0V6akhiSDhyZjAtRmtDamdKTQ?oc=5) · Nevada Business Magazine
- 2026-07-02 [Create Credit Union Named Among Top 100 Performing Credit Unions Nationwide - Nevada Business Magazine](https://news.google.com/rss/articles/CBMisAFBVV95cUxPY1ZKTFZ0ZGs2VnhIczZZU3lCTDJxdWtqSGZ3N2g5U3A1cFh2eVBPWEZteml1ZlU0bmZUdVp2T0Z1aWRVUWFoSjhYVGpmZEVuUl82MFlNdzNlV2pXVzVIRDR3T2tycXRCT0ticXg1M0tiOGc5dHVGMG1TTVp6WVdheHlkb2l1TTRKdGQ0YnNORk5QQ2hRYjdYelVvaXAxT1FzMzNpM3pDSktTRi1GN2Y1Vw?oc=5) · Nevada Business Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=86752 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/32.json (key "86752", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=86752
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide