BlastPoint's Credit Union Scorecard
BEEHIVE
Charter #13741 · ID
BEEHIVE has 6 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does ID stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 30.8% in tier
- + Organic Growth Leader: Top 30.8% in tier
- + Relationship Depth Leader: Top 33.4% in tier
- + Wallet Share Momentum: Top 33.4% in tier
- + ROA 0.25% above tier average
- + Net Charge-Off Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.72% above tier average
- - Net Interest Margin (NIM): Bottom 5.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 3 that size in Idaho.
- Shares and deposits +7.5% year over year ($571M in shares and deposits).
- Membership: 34,013 members, +1.9% vs a year ago.
- Delinquency rate 1.53%.
- Return on assets 1.07%.
- Efficiency ratio 70.62% vs a 76.56% peer average.
- Loan-to-share ratio 86.06% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,013
+1.9% YoY+0.8% QoQ
|
-3.9K |
37,897
-5.0% YoY
|
72,350
+37.4% YoY
|
34,678
+6.6% YoY
|
37% |
| Assets |
$647.7M
+4.6% YoY+0.9% QoQ
|
+$25.3M |
$622.4M
+0.6% YoY
|
$1.3B
+42.1% YoY
|
$593.1M
+10.2% YoY
|
61% |
| Loans |
$491.7M
+7.8% YoY+3.7% QoQ
|
+$63.2M |
$428.5M
-0.7% YoY
|
$1.1B
+44.8% YoY
|
$418.6M
+10.1% YoY
|
73% |
| Deposits |
$571.4M
+7.5% YoY+0.4% QoQ
|
+$31.7M |
$539.8M
+0.9% YoY
|
$1.1B
+40.5% YoY
|
$504.8M
+10.3% YoY
|
67% |
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| ROA |
1.1%
+68.9% YoY-5.0% QoQ
|
+0.3% |
0.8%
+39.5% YoY
|
0.8%
-11.7% YoY
|
1.2%
+121.4% YoY
|
73% |
| NIM |
2.7%
+7.8% YoY+1.4% QoQ
|
-0.8% |
3.5%
+5.0% YoY
|
3.6%
+0.7% YoY
|
3.8%
+2.3% YoY
|
Bottom 4.8% in tier |
| Efficiency Ratio |
70.6%
-12.0% YoY+6.7% QoQ
|
-5.9% |
76.6%
-3.6% YoY
|
77.8%
+6.1% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
1.5%
-16.9% YoY+13.7% QoQ
|
+0.7 |
0.8%
+3.1% YoY
|
0.7%
-36.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.1% in tier |
| Loan To Share |
86.1%
+0.3% YoY+3.2% QoQ
|
+6.7% |
79.3%
-1.4% YoY
|
87.8%
+3.1% YoY
|
66.4%
-1.4% YoY
|
62% |
| AMR |
$31,257
+5.6% YoY+1.1% QoQ
|
+$4K |
$27,294
+4.1% YoY
|
$26,672
+11.3% YoY
|
$20,028
-0.9% YoY
|
75% |
| CD Concentration |
32.5%
-0.8% YoY+0.7% QoQ
|
+8.0% | 24.6% | 31.4% | 20.0% | 78% |
| Indirect Auto % |
1.3%
-13.8% YoY-3.2% QoQ
|
-12.3% | 13.6% | 14.2% | 7.7% | 37% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (0)
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)