BlastPoint's Credit Union Scorecard
SEI
Charter #517 · ID
SEI has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 4.4% in tier
- + Loan-to-Share Ratio: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Efficiency ratio 5.95% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,166
-1.3% YoY-0.3% QoQ
|
+540 |
2,625
-2.2% YoY
|
53,577
+7.1% YoY
|
33,089
+6.1% YoY
|
69% |
| Assets |
$32.9M
+3.4% YoY-0.1% QoQ
|
+$3.0M |
$29.9M
+1.1% YoY
|
$936.8M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
63% |
| Loans |
$28.6M
+1.7% YoY-1.3% QoQ
|
+$12.8M |
$15.8M
-2.4% YoY
|
$777.6M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
81% |
| Deposits |
$29.9M
+3.6% YoY-0.2% QoQ
|
+$4.5M |
$25.5M
+0.4% YoY
|
$812.6M
+12.3% YoY
|
$464.6M
+9.3% YoY
|
65% |
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| ROA |
0.5%
+64.3% YoY-27.8% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.6%
-15.0% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
3.8%
+2.5% YoY+2.7% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
47% |
| Efficiency Ratio |
87.3%
-5.9% YoY+0.4% QoQ
|
+5.9% |
81.4%
-2.4% YoY
|
73.1%
-2.3% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
1.1%
+29.0% YoY-55.5% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
0.9%
-2.1% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
95.4%
-1.8% YoY-1.1% QoQ
|
+34.2% |
61.2%
-3.0% YoY
|
85.6%
-1.1% YoY
|
68.0%
-1.7% YoY
|
Top 6.9% in tier |
| AMR |
$18,472
+4.0% YoY-0.5% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$24,176
+3.9% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
35.7%
-2.5% YoY-2.2% QoQ
|
+11.3% |
24.4%
+4.2% YoY
|
27.1%
+1.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.1%
-5.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
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)