BEEHIVE
Charter #13741 | ID
500M-750M
(169 CUs)
Community
($500M-$1B)
(281 CUs)
4 500M-750M in ID
BEEHIVE has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 14.8% in tier
- + Wallet Share Momentum: Top 22.4% in tier
- + ROA 0.12% above tier average
- + Net Charge-Off Rate: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,375
+0.4% YoY+0.0% QoQ
|
-6.4K |
39,752
-2.7% YoY
|
53,577
+7.1% YoY
|
33,089
+6.1% YoY
|
31st in tier |
| Assets |
$625.0M
+2.6% YoY+0.9% QoQ
|
+$2.6M |
$622.4M
+0.3% YoY
|
$936.8M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
48th in tier |
| Loans |
$460.7M
+0.2% YoY+1.0% QoQ
|
+$24.7M |
$435.9M
-0.4% YoY
|
$777.6M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
62nd in tier |
| Deposits |
$541.9M
+7.6% YoY+1.9% QoQ
|
+$3.9M |
$538.0M
+1.3% YoY
|
$812.6M
+12.3% YoY
|
$464.6M
+9.3% YoY
|
52nd in tier |
| ROA |
0.8%
+183.5% YoY+23.3% QoQ
|
+0.1% |
0.7%
+33.9% YoY
|
0.6%
-15.0% YoY
|
0.7%
+273.4% YoY
|
59th in tier |
| NIM |
2.6%
+19.5% YoY+4.3% QoQ
|
-0.8% |
3.4%
+8.6% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 7.7% in tier |
| Efficiency Ratio |
76.3%
-15.3% YoY-5.0% QoQ
|
-1.8% |
78.1%
-3.4% YoY
|
73.1%
-2.3% YoY
|
79.1%
-3.3% YoY
|
39th in tier |
| Delinquency Rate |
0.3%
-87.9% YoY-82.3% QoQ
|
-0.5 |
0.8%
-4.9% YoY
|
0.9%
-2.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 18.3% in tier |
| Loan To Share |
85.0%
-6.9% YoY-0.9% QoQ
|
+4.0% |
81.0%
-1.8% YoY
|
85.6%
-1.1% YoY
|
68.0%
-1.7% YoY
|
54th in tier |
| AMR |
$30,039
+3.7% YoY+1.5% QoQ
|
+$4K |
$26,482
+2.6% YoY
|
$24,176
+3.9% YoY
|
$19,418
+1.3% YoY
|
Top 23.7% in tier |
| CD Concentration |
32.8%
-1.7% YoY+0.1% QoQ
|
+8.4% |
24.4%
+4.2% YoY
|
27.1%
+1.8% YoY
|
19.6%
+6.2% YoY
|
Top 21.0% in tier |
| Indirect Auto % |
1.5%
-18.8% YoY+0.5% QoQ
|
-12.5% |
14.0%
-5.8% YoY
|
12.1%
-5.5% YoY
|
7.9%
-2.9% YoY
|
38th in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growth
#410 of 1006 • Top 14.8% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
3.65%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$3.2K
(Tier: $2.8K, National: $2.0K)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#618 of 1006 • Top 22.4% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
3.65%
(Tier:
3.68%, National:
4.19%)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (0)
No concerns identified
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)
Top Strengths (4 metrics)
8
Net Charge-Off Rate
risk
Value:
0.06%
Peer Avg: 0.51%
#8 of 169
Top 4.1% in 500M-750M tier
32
Total Delinquency Rate (60+ days)
risk
Value:
0.33%
Peer Avg: 0.80%
#32 of 169
Top 18.3% in 500M-750M tier
38
Loan-to-Member Ratio (LMR)
engagement
Value:
$13,802
Peer Avg: $11,805
#38 of 169
Top 21.9% in 500M-750M tier
40
Average Member Relationship (AMR)
engagement
Value:
$30,039
Peer Avg: $26,482
#40 of 169
Top 23.1% in 500M-750M tier
Top Weaknesses (5 metrics)
156
Net Interest Margin (NIM)
profitability
Value:
2.60%
Peer Avg: 3.43%
#156 of 169
Bottom 8.3% in 500M-750M tier
147
Net Worth Ratio
risk
Value:
8.55%
Peer Avg: 10.94%
#147 of 169
Bottom 13.6% in 500M-750M tier
138
Members Per Employee (MPE)
engagement
Value:
256.731
Peer Avg: 338.010
#138 of 169
Bottom 18.9% in 500M-750M tier
132
Share Certificate Concentration (%)
balance_sheet
Value:
32.84%
Peer Avg: 26.87%
#132 of 169
Bottom 22.5% in 500M-750M tier
128
First Mortgage Concentration (%)
balance_sheet
Value:
44.43%
Peer Avg: 33.53%
#128 of 169
Bottom 24.9% in 500M-750M tier