BlastPoint's Credit Union Scorecard

BEEHIVE

Charter #13741 · ID

Community 500M-750M

167 CUs in 500M-750M nationally 3 in ID

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BEEHIVE has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

ID Analysis

How does ID stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 36.8% in tier
+ Organic Growth Leader: Top 36.8% in tier
+ Relationship Depth Leader: Top 45.7% in tier
+ ROA 0.44% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.9% in tier
- Credit Risk Growth: Bottom 43.2% in tier
- Delinquency rate 0.64% above tier average
- Net Interest Margin (NIM): Bottom 6.0% in tier
- Total Delinquency Rate (60+ days): Bottom 9.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	33,759 +1.3% YoY+0.8% QoQ	-4.3K	38,079 -4.8% YoY	55,090 +6.4% YoY	33,913 +5.7% YoY	35%
Assets	$642.2M +3.2% YoY+2.5% QoQ	+$22.5M	$619.7M -0.2% YoY	$983.6M +10.6% YoY	$578.3M +9.0% YoY	59%
Loans	$474.3M +4.4% YoY-0.1% QoQ	+$55.0M	$419.3M -1.4% YoY	$811.6M +10.9% YoY	$402.4M +8.7% YoY	71%
Deposits	$568.9M +6.1% YoY+3.1% QoQ	+$29.5M	$539.5M -0.1% YoY	$856.3M +10.5% YoY	$494.3M +9.1% YoY	66%

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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	1.1% +70.8% YoY+52.0% QoQ	+0.4%	0.7% +36.0% YoY	0.7% -6.6% YoY	0.4% -39.2% YoY	79%
NIM	2.6% +9.0% YoY+1.0% QoQ	-0.8%	3.5% +4.5% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	Bottom 5.4% in tier
Efficiency Ratio	66.2% -15.7% YoY-14.7% QoQ	-12.2%	78.4% -3.7% YoY	76.8% +3.1% YoY	84.6% +2.8% YoY	Top 12.0% in tier
Delinquency Rate	1.3% +191.5% YoY+177.7% QoQ	+0.6	0.7% -0.9% YoY	0.9% -16.7% YoY	1.2% +3.4% YoY	Bottom 9.6% in tier
Loan To Share	83.4% -1.7% YoY-3.1% QoQ	+5.7%	77.7% -1.2% YoY	83.5% -0.7% YoY	65.6% -1.4% YoY	59%
AMR	$30,902 +4.0% YoY+0.9% QoQ	+$4K	$26,927 +3.1% YoY	$24,684 +3.7% YoY	$19,920 +1.6% YoY	76%
CD Concentration	32.3% -0.8% YoY-2.3% QoQ	+8.0%	24.3%	27.2%	19.8%	78%
Indirect Auto %	1.3% -16.8% YoY-4.6% QoQ	-12.5%	13.8%	11.8%	7.7%	37%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#162 of 257 • Top 45.7% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.99%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.2K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Organic Growth Engine

growth

#224 of 352 • Top 36.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.28%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.12%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 1.33%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#286 of 371 • Top 36.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.28%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 1.33%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#39 of 727 • Bottom 2.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.88% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk

#110 of 476 • Bottom 43.2% in tier

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

Why This Signature

Loan Growth (YoY): 4.35%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.88% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | 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 167 peers in tier

Top Strengths (5 metrics)

Net Charge-Off Rate

risk

Value: 0.10%

Peer Median: 0.39%

#20 of 167 Top 11.4% in 500M-750M tier

Efficiency Ratio

profitability

Value: 66.16%

Peer Median: 78.61%

#21 of 167 Top 12.0% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $14,049

Peer Median: $11,231

#33 of 167 Top 19.2% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.12%

Peer Median: 0.61%

#35 of 167 Top 20.4% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $30,902

Peer Median: $25,600

#40 of 167 Top 23.4% in 500M-750M tier

Top Weaknesses (5 metrics)

158

Net Interest Margin (NIM)

profitability

Value: 2.65%

Peer Median: 3.48%

#158 of 167 Bottom 6.0% in 500M-750M tier

152

Total Delinquency Rate (60+ days)

risk

Value: 1.34%

Peer Median: 0.62%

#152 of 167 Bottom 9.6% in 500M-750M tier

142

Net Worth Ratio

risk

Value: 8.75%

Peer Median: 10.35%

#142 of 167 Bottom 15.6% in 500M-750M tier

129

Members Per Employee (MPE)

engagement

Value: 265.819

Peer Median: 318.730

#129 of 167 Bottom 23.4% in 500M-750M tier

128

Share Certificate Concentration (%)

balance_sheet

Value: 32.32%

Peer Median: 26.29%

#128 of 167 Bottom 24.0% in 500M-750M tier