BlastPoint's Credit Union Scorecard
IDAHO CENTRAL
Charter #63194 · ID
IDAHO CENTRAL has 8 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does ID stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 19.0% in tier
- + Emerging Performer: Top 23.8% in tier
- + ROA 0.28% above tier average
- + Strong member growth: 14.5% 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
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 4.8% in tier
- - Credit Risk Growth: Bottom 4.8% in tier
- - Liquidity Strain: Bottom 14.3% in tier
- - Credit Quality Pressure: Bottom 71.4% in tier
- - Net Worth Ratio: Bottom 4.8% in tier
- - Indirect Auto Concentration (%): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
769,306
+14.5% YoY+2.5% QoQ
|
-1.1M |
1,831,295
-0.2% YoY
|
54,272
+7.9% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$14.8B
+21.8% YoY+6.2% QoQ
|
$-14.4B |
$29.1B
+3.6% YoY
|
$970.0M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$12.8B
+21.6% YoY+5.4% QoQ
|
$-8.6B |
$21.4B
+2.0% YoY
|
$802.2M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$12.7B
+21.3% YoY+3.5% QoQ
|
$-12.2B |
$24.9B
+4.3% YoY
|
$828.5M
+12.5% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
1.0%
+5.9% YoY-5.8% QoQ
|
+0.3% |
0.7%
+30.7% YoY
|
0.8%
+25.2% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
2.7%
+5.7% YoY-2.7% QoQ
|
-0.4% |
3.1%
+7.9% YoY
|
3.7%
+5.8% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
63.3%
-0.6% YoY-0.6% QoQ
|
-1.3% |
64.6%
-4.0% YoY
|
73.6%
-4.6% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.5%
+6.4% YoY+15.0% QoQ
|
-0.7 |
1.2%
+0.3% YoY
|
0.9%
-20.4% YoY
|
1.3%
-2.1% YoY
|
Top 9.5% in tier |
| Loan To Share |
100.5%
+0.3% YoY+1.9% QoQ
|
+11.4% |
89.1%
-2.0% YoY
|
84.8%
-0.9% YoY
|
67.4%
-1.7% YoY
|
Top 14.3% in tier |
| AMR |
$33,116
+6.0% YoY+1.9% QoQ
|
+$2K |
$31,580
+8.5% YoY
|
$24,417
+3.6% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
34.6%
+1.1% YoY-0.6% QoQ
|
+3.1% | 31.4% | 27.2% | 19.8% | 62% |
| Indirect Auto % |
32.7%
+11.8% YoY+3.0% QoQ
|
+18.6% | 14.1% | 11.9% | 7.8% | Bottom 9.5% in tier |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)