BlastPoint's Credit Union Scorecard

IDAHO CENTRAL

Charter #63194 · ID

Titans 10B+

ICCU at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

ICCU is one of 101 credit unions in the 2026 VentureTech card set. We also found ICCU's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

ICCU

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ICCU
PEER · AT VENTURETECH
PEER · AT VENTURETECH
ICCU'S BIGGEST OPPORTUNITY

25 CUs in 10B+ nationally 1 in ID

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IDAHO CENTRAL has 6 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Titans Tier

What's your peer group doing?

ID Analysis

How does ID stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.15% above tier average
+ Strong member growth: 12.7% YoY
+ Member Growth Rate: Top 8.0% in tier
+ Asset Growth Rate: Top 8.0% in tier
+ Loan Growth Rate: Top 8.0% in tier
+ Loan-to-Share Ratio: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 12.0% in tier
- Liquidity Strain: Bottom 12.0% in tier
- Credit Risk Growth: Bottom 12.0% in tier
- Credit Quality Pressure: Bottom 52.0% in tier
- Efficiency ratio 1.07% above tier (higher cost structure)
- Net Worth Ratio: Bottom 4.0% in tier
- Indirect Auto Concentration (%): Bottom 8.0% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	821,866 +12.7% YoY+4.2% QoQ	-850.0K	1,671,910 -4.2% YoY	72,350 +37.4% YoY	34,678 +6.6% YoY	40%
Assets	$15.5B +16.9% YoY+3.8% QoQ	$-12.1B	$27.7B +0.2% YoY	$1.3B +42.1% YoY	$593.1M +10.2% YoY	40%
Loans	$13.8B +19.7% YoY+5.9% QoQ	$-6.3B	$20.0B -0.9% YoY	$1.1B +44.8% YoY	$418.6M +10.1% YoY	48%
Deposits	$13.6B +14.4% YoY+2.2% QoQ	$-10.0B	$23.5B +0.4% YoY	$1.1B +40.5% YoY	$504.8M +10.3% YoY	40%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.2% +26.5% YoY+11.3% QoQ	+0.1%	1.0% +45.0% YoY	0.8% -11.7% YoY	1.2% +121.4% YoY	60%
NIM	2.9% +3.4% YoY+2.5% QoQ	-0.3%	3.2% +5.4% YoY	3.6% +0.7% YoY	3.8% +2.3% YoY	28%
Efficiency Ratio	62.6% -3.4% YoY-2.9% QoQ	+1.1%	61.6% -6.2% YoY	77.8% +6.1% YoY	83.0% -5.3% YoY	52%
Delinquency Rate	0.5% +19.2% YoY+5.7% QoQ	-0.6	1.0% -2.7% YoY	0.7% -36.1% YoY	1.3% +2.6% YoY	20%
Loan To Share	101.4% +4.6% YoY+3.7% QoQ	+13.9%	87.5% -3.0% YoY	87.8% +3.1% YoY	66.4% -1.4% YoY	Top 12.0% in tier
AMR	$33,245 +3.8% YoY-0.1% QoQ	+$395	$32,850 +5.7% YoY	$26,672 +11.3% YoY	$20,028 -0.9% YoY	60%
CD Concentration	32.5% -7.4% YoY-2.8% QoQ	+2.3%	30.2%	31.4%	20.0%	60%
Indirect Auto %	34.3% +13.3% YoY+1.1% QoQ	+19.3%	15.0%	14.2%	7.7%	Bottom 8.0% in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth

#3 of 7 • Top 40.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.18%

(Tier: 1.03%, National: 1.23%)

better than tier avg

Member Growth (YoY): 12.75%

(Tier: 7.74%, National: 15.67%)

better than tier avg

7 of 25 Titans CUs have this signature | 283 nationally

→ Stable (4→7 CUs) +3 CUs YoY

Concerns (4)

Indirect Auto Dependency

risk

#1 of 10 • Bottom 12.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 16.93%

(Tier: 14.31%, National: 3.30%)

but better than tier avg

Indirect Auto %: 34.30%

(Tier: 14.97%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 12.75%

(Tier: 7.74%, National: 15.67%)

but better than tier avg

10 of 25 Titans CUs have this signature | 714 nationally

→ Stable (9→10 CUs) +1 CUs YoY

Liquidity Strain

risk

#1 of 12 • Bottom 12.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 101.40%

(Tier: 87.50%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 19.72%

(Tier: 12.76%, National: 78.26%)

but better than tier avg

12 of 25 Titans CUs have this signature | 432 nationally

→ Stable (12→12 CUs) | Rank improving

Credit Risk Growth

risk

#6 of 18 • Bottom 12.0% in tier

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

Why This Signature

Loan Growth (YoY): 19.72%

(Tier: 12.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.08% points, National: 0.08% points)

but better than tier avg

18 of 25 Titans CUs have this signature | 688 nationally

→ Stable (14→18 CUs) +4 CUs YoY | New qualifier

Credit Quality Pressure

risk

#13 of 21 • Bottom 52.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.08% points, National: 0.08% points)

but better than tier avg

21 of 25 Titans CUs have this signature | 962 nationally

→ Stable (16→21 CUs) +5 CUs YoY | 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 25 peers in tier

Top Strengths (8 metrics)

Member Growth Rate

growth

Value: 12.75%

Peer Median: 4.14%

#3 of 25 Top 8.0% in 10B+ tier

Asset Growth Rate

growth

Value: 16.93%

Peer Median: 6.70%

#3 of 25 Top 8.0% in 10B+ tier

Loan Growth Rate

growth

Value: 19.72%

Peer Median: 7.18%

#3 of 25 Top 8.0% in 10B+ tier

Loan-to-Share Ratio

balance_sheet

Value: 101.40%

Peer Median: 88.75%

#3 of 25 Top 8.0% in 10B+ tier

Deposit Growth Rate

growth

Value: 14.43%

Peer Median: 6.42%

#4 of 25 Top 12.0% in 10B+ tier

Net Charge-Off Rate

risk

Value: 0.35%

Peer Median: 0.75%

#4 of 25 Top 12.0% in 10B+ tier

Total Delinquency Rate (60+ days)

risk

Value: 0.46%

Peer Median: 0.92%

#6 of 25 Top 20.0% in 10B+ tier

First Mortgage Concentration (%)

balance_sheet

Value: 31.73%

Peer Median: 41.64%

#6 of 25 Top 20.0% in 10B+ tier

Top Weaknesses (2 metrics)

Net Worth Ratio

risk

Value: 8.33%

Peer Median: 10.72%

#25 of 25 Bottom 4.0% in 10B+ tier

Indirect Auto Concentration (%)

balance_sheet

Value: 34.30%

Peer Median: 11.10%

#24 of 25 Bottom 8.0% in 10B+ tier