BlastPoint's Credit Union Scorecard
SEI
Charter #517 · ID
SEI has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 1.8% in tier
- + Loan-to-Share Ratio: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.43% below tier average
- - Net Worth Ratio: Bottom 5.2% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 5 that size in Idaho.
- Shares and deposits +2.2% year over year ($30.6M in shares and deposits).
- Membership: 3,137 members, -1.2% vs a year ago.
- Delinquency rate 0.68%.
- Return on assets 0.06%.
- Efficiency ratio 83.63% vs a 88.77% peer average.
- Loan-to-share ratio 94.17% vs a 58.89% 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 |
3,137
-1.2% YoY-0.0% QoQ
|
+551 |
2,585
-1.7% YoY
|
72,350
+37.4% YoY
|
34,678
+6.6% YoY
|
70% |
| Assets |
$33.4M
+1.6% YoY-0.9% QoQ
|
+$3.1M |
$30.3M
+1.5% YoY
|
$1.3B
+42.1% YoY
|
$593.1M
+10.2% YoY
|
63% |
| Loans |
$28.9M
-0.2% YoY+1.7% QoQ
|
+$13.4M |
$15.5M
-1.7% YoY
|
$1.1B
+44.8% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$30.6M
+2.2% YoY-1.0% QoQ
|
+$4.8M |
$25.8M
+1.1% YoY
|
$1.1B
+40.5% YoY
|
$504.8M
+10.3% YoY
|
65% |
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| ROA |
0.1%
-89.9% YoY
|
-1.4% |
1.5%
+241.5% YoY
|
0.8%
-11.7% YoY
|
1.2%
+121.4% YoY
|
Bottom 4.5% in tier |
| NIM |
3.7%
-0.7% YoY-1.9% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.6%
+0.7% YoY
|
3.8%
+2.3% YoY
|
42% |
| Efficiency Ratio |
83.6%
-3.9% YoY-9.4% QoQ
|
-5.1% |
88.8%
-6.9% YoY
|
77.8%
+6.1% YoY
|
83.0%
-5.3% YoY
|
58% |
| Delinquency Rate |
0.7%
-71.5% YoY-64.8% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
0.7%
-36.1% YoY
|
1.3%
+2.6% YoY
|
49% |
| Loan To Share |
94.2%
-2.4% YoY+2.8% QoQ
|
+35.3% |
58.9%
-3.1% YoY
|
87.8%
+3.1% YoY
|
66.4%
-1.4% YoY
|
Top 5.9% in tier |
| AMR |
$18,967
+2.2% YoY+0.3% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$26,672
+11.3% YoY
|
$20,028
-0.9% YoY
|
73% |
| CD Concentration |
36.0%
-1.4% YoY+0.8% QoQ
|
+11.5% | 24.6% | 31.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 14.2% | 7.7% | 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)