BlastPoint's Credit Union Scorecard

SEI

Charter #517 · ID

<100M

2508 CUs in <100M nationally 9 in ID

SEI has 2 strengths but faces 4 concerns

National Analysis

How does the industry compare?

ID Analysis

How does ID stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Fee Income Per Member: Top 4.2% in tier
+ Loan-to-Share Ratio: Top 6.9% in tier

Key Concerns

Areas that may need attention

- ROA 0.18% below tier average
- Efficiency ratio 1.64% above tier (higher cost structure)
- Delinquency rate 0.42% above tier average
- Net Worth Ratio: Bottom 5.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	3,138 -1.1% YoY-0.8% QoQ	+461	2,676 +1.6% YoY	55,090 +6.4% YoY	33,913 +5.7% YoY	70%
Assets	$33.7M +2.0% YoY+0.5% QoQ	+$3.5M	$30.2M +1.3% YoY	$983.6M +10.6% YoY	$578.3M +9.0% YoY	63%
Loans	$28.4M -0.5% YoY-0.4% QoQ	+$13.1M	$15.3M -2.0% YoY	$811.6M +10.9% YoY	$402.4M +8.7% YoY	81%
Deposits	$31.0M +2.7% YoY+0.5% QoQ	+$5.2M	$25.8M +0.7% 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	-0.0% -104.2% YoY-82.1% QoQ	-0.2%	0.1% -77.6% YoY	0.7% -6.6% YoY	0.4% -39.2% YoY	20%
NIM	3.8% +2.3% YoY-0.8% QoQ	-0.2%	4.0% +4.0% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	47%
Efficiency Ratio	92.3% +10.7% YoY+0.4% QoQ	+1.6%	90.6% +6.5% YoY	76.8% +3.1% YoY	84.6% +2.8% YoY	73%
Delinquency Rate	1.9% -45.9% YoY+24.0% QoQ	+0.4	1.5% +3.8% YoY	0.9% -16.7% YoY	1.2% +3.4% YoY	80%
Loan To Share	91.6% -3.1% YoY-0.9% QoQ	+33.1%	58.5% -3.0% YoY	83.5% -0.7% YoY	65.6% -1.4% YoY	Top 7.0% in tier
AMR	$18,908 +2.3% YoY+0.9% QoQ	+$4K	$14,884 -1.7% YoY	$24,684 +3.7% YoY	$19,920 +1.6% YoY	73%
CD Concentration	35.7% +1.0% YoY-0.3% QoQ	+11.5%	24.3%	27.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

106

Fee Income Per Member

profitability

Value: $211.73

Peer Median: $60.42

#106 of 2508 Top 4.2% in <100M tier

173

Loan-to-Share Ratio

balance_sheet

Value: 91.64%

Peer Median: 58.72%

#173 of 2508 Top 6.9% in <100M tier

286

Loan-to-Member Ratio (LMR)

engagement

Value: $9,042

Peer Median: $4,923

#286 of 2508 Top 11.4% in <100M tier

466

Total Loans

balance_sheet

Value: $28.37M

Peer Median: $9.48M

#466 of 2508 Top 18.5% in <100M tier

Top Weaknesses (5 metrics)

2375

Net Worth Ratio

risk

Value: 8.15%

Peer Median: 14.28%

#2375 of 2508 Bottom 5.3% in <100M tier

2242

Share Certificate Concentration (%)

balance_sheet

Value: 35.74%

Peer Median: 12.45%

#2242 of 2508 Bottom 10.6% in <100M tier

2013

Total Delinquency Rate (60+ days)

risk

Value: 1.92%

Peer Median: 0.65%

#2013 of 2508 Bottom 19.8% in <100M tier

1995

Return on Assets (ROA)

profitability

Value: -0.03%

Peer Median: 0.61%

#1995 of 2508 Bottom 20.5% in <100M tier

1954

Net Charge-Off Rate

risk

Value: 0.62%

Peer Median: 0.07%

#1954 of 2508 Bottom 22.1% in <100M tier