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 5.4% in tier
- + Loan-to-Share Ratio: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.80% below tier average
- - Efficiency ratio 9.38% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 5.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,162
-1.0% YoY-0.1% QoQ
|
+546 |
2,615
-1.9% YoY
|
54,272
+7.9% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$33.5M
+3.6% YoY+2.1% QoQ
|
+$3.4M |
$30.1M
+2.1% YoY
|
$970.0M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$28.5M
-0.6% YoY-0.3% QoQ
|
+$12.7M |
$15.8M
-1.3% YoY
|
$802.2M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$30.8M
+8.4% YoY+2.9% QoQ
|
+$5.1M |
$25.7M
+1.4% YoY
|
$828.5M
+12.5% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
-0.2%
-1895.9% YoY-139.1% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.8%
+25.2% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.8% in tier |
| NIM |
3.8%
+2.4% YoY-0.6% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.7%
+5.8% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
91.9%
-5.9% YoY+5.3% QoQ
|
+9.4% |
82.6%
-2.3% YoY
|
73.6%
-4.6% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
1.6%
+7.6% YoY+47.0% QoQ
|
-0.0 |
1.6%
-3.1% YoY
|
0.9%
-20.4% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
92.4%
-8.3% YoY-3.1% QoQ
|
+31.8% |
60.6%
-3.1% YoY
|
84.8%
-0.9% YoY
|
67.4%
-1.7% YoY
|
Top 8.2% in tier |
| AMR |
$18,746
+5.0% YoY+1.5% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$24,417
+3.6% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
35.9%
-3.7% YoY+0.4% QoQ
|
+11.4% | 24.4% | 27.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.9% | 7.8% | 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)