BlastPoint's Credit Union Scorecard

IDAHO CENTRAL

Charter #63194 · ID

Titans 10B+

21 CUs in 10B+ nationally 1 in ID

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IDAHO CENTRAL has 12 strengths but faces 3 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

+ Emerging Performer: Top 0.0% in tier
+ Organic Growth Engine: Top 5.6% in tier
+ Credit Quality Leader: Top 40.0% in tier
+ Profitability Leader: Top 80.0% in tier
+ Wallet Share Momentum: Top 100.0% in tier
+ ROA 0.31% above tier average
+ Strong member growth: 14.3% YoY
+ Member Growth Rate: Top 0.0% in tier
+ Asset Growth Rate: Top 0.0% in tier
+ Loan Growth Rate: Top 0.0% in tier
+ Deposit Growth Rate: Top 0.0% in tier
+ Total Delinquency Rate (60+ days): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 8.0% in tier
- Liquidity Strain: Bottom 12.5% in tier
- Net Worth Ratio: Bottom 4.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	750,520 +14.3% YoY+3.0% QoQ	-1.1M	1,822,416 +4.1% YoY	53,577 +7.1% YoY	33,089 +6.1% YoY	29%
Assets	$13.9B +18.8% YoY+4.7% QoQ	$-14.8B	$28.7B +4.2% YoY	$936.8M +11.3% YoY	$547.7M +7.8% YoY	19%
Loans	$12.1B +19.4% YoY+5.4% QoQ	$-9.0B	$21.1B +5.8% YoY	$777.6M +12.0% YoY	$388.7M +8.6% YoY	33%
Deposits	$12.3B +20.9% YoY+3.6% QoQ	$-12.1B	$24.4B +7.2% YoY	$812.6M +12.3% YoY	$464.6M +9.3% YoY	33%

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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	1.1% +6.6% YoY+15.1% QoQ	+0.3%	0.8% +17.7% YoY	0.6% -15.0% YoY	0.7% +273.4% YoY	76%
NIM	2.8% +8.5% YoY-0.2% QoQ	-0.3%	3.1% +10.6% YoY	3.7% +5.1% YoY	3.7% +5.0% YoY	33%
Efficiency Ratio	63.6% +1.1% YoY-1.9% QoQ	-0.6%	64.3% -4.3% YoY	73.1% -2.3% YoY	79.1% -3.3% YoY	52%
Delinquency Rate	0.4% -6.1% YoY+3.1% QoQ	-0.8	1.2% +9.7% YoY	0.9% -2.1% YoY	1.2% -0.9% YoY	Bottom 9.5% in tier
Loan To Share	98.6% -1.2% YoY+1.8% QoQ	+8.8%	89.8% -0.3% YoY	85.6% -1.1% YoY	68.0% -1.7% YoY	71%
AMR	$32,507 +5.1% YoY+1.5% QoQ	+$1K	$31,184 +7.8% YoY	$24,176 +3.9% YoY	$19,418 +1.3% YoY	62%
CD Concentration	34.8% +2.7% YoY-1.0% QoQ	+2.9%	31.9% +2.0% YoY	27.1% +1.8% YoY	19.6% +6.2% YoY	67%
Indirect Auto %	31.8% +9.5% YoY+5.0% QoQ	+17.5%	14.2% -8.9% YoY	12.1% -5.5% YoY	7.9% -2.9% YoY	Top 14.3% in tier

Signature Analysis

Strengths (5)

Emerging Performer

growth

#1 of 4 • Top 0.0% 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: 1.07%

(Tier: 0.76%, National: 0.71%)

better than tier avg

Member Growth (YoY): 14.31%

(Tier: 3.59%, National: 9.37%)

better than tier avg

4 of 21 Titans CUs have this signature | 288 nationally

→ Stable (3→4 CUs) +1 CUs YoY

Organic Growth Engine

growth

#4 of 18 • Top 5.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 14.31%

(Tier: 3.59%, National: 9.37%)

better than tier avg

Return on Assets: 1.07%

(Tier: 0.76%, National: 0.71%)

better than tier avg

Indirect Auto %: 31.77%

(Tier: 14.25%, National: 7.90%)

but worse than tier avg

18 of 21 Titans CUs have this signature | 917 nationally

→ Stable (18→18 CUs)

Credit Quality Leader

growth

#3 of 6 • Top 40.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.39%

(Tier: 1.18%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.03% points

(Tier: 0.10% points, National: 0.07% points)

better than tier avg

6 of 21 Titans CUs have this signature | 457 nationally

→ Stable (6→6 CUs)

Profitability Leader

growth

#5 of 6 • Top 80.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.07%

(Tier: 0.76%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.07% points

(Tier: 0.10% points, National: 0.05% points)

but worse than tier avg

6 of 21 Titans CUs have this signature | 457 nationally

→ Stable (6→6 CUs)

Wallet Share Momentum

growth

#5 of 5 • Top 100.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.13%

(Tier: 2.80%, National: 4.19%)

better than tier avg

5 of 21 Titans CUs have this signature | 620 nationally

→ Stable (1→5 CUs) +4 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#3 of 8 • Bottom 8.0% in tier

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

Why This Signature

Asset Growth (YoY): 18.82%

(Tier: 4.36%, National: 3.04%)

but better than tier avg

Indirect Auto %: 31.77%

(Tier: 14.25%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 14.31%

(Tier: 3.59%, National: 9.37%)

but better than tier avg

8 of 21 Titans CUs have this signature | 768 nationally

→ Stable (8→8 CUs)

Liquidity Strain

risk

#5 of 11 • Bottom 12.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.62%

(Tier: 89.80%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 19.42%

(Tier: 6.37%, National: 36.38%)

but better than tier avg

11 of 21 Titans CUs have this signature | 484 nationally

→ Stable (11→11 CUs)

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 21 peers in tier

Top Strengths (9 metrics)

Member Growth Rate

growth

Value: 14.31%

Peer Avg: -

#1 of 21 Top 0.0% in 10B+ tier

Asset Growth Rate

growth

Value: 18.82%

Peer Avg: -

#1 of 21 Top 0.0% in 10B+ tier

Loan Growth Rate

growth

Value: 19.42%

Peer Avg: -

#1 of 21 Top 0.0% in 10B+ tier

Deposit Growth Rate

growth

Value: 20.93%

Peer Avg: -

#1 of 21 Top 0.0% in 10B+ tier

Total Delinquency Rate (60+ days)

risk

Value: 0.39%

Peer Avg: -

#3 of 21 Top 9.5% in 10B+ tier

Net Charge-Off Rate

risk

Value: 0.41%

Peer Avg: -

#4 of 21 Top 14.3% in 10B+ tier

Return on Assets (ROA)

profitability

Value: 1.07%

Peer Avg: -

#5 of 21 Top 19.0% in 10B+ tier

AMR Growth Rate

growth

Value: 5.13%

Peer Avg: -

#5 of 21 Top 19.0% in 10B+ tier

Loan-to-Share Ratio

balance_sheet

Value: 98.62%

Peer Avg: -

#6 of 21 Top 23.8% in 10B+ tier

Top Weaknesses (3 metrics)

Net Worth Ratio

risk

Value: 8.38%

Peer Avg: -

#21 of 21 Bottom 4.8% in 10B+ tier

Indirect Auto Concentration (%)

balance_sheet

Value: 31.77%

Peer Avg: -

#19 of 21 Bottom 14.3% in 10B+ tier

Total Assets

balance_sheet

Value: $13.90B

Peer Avg: -

#17 of 21 Bottom 23.8% in 10B+ tier