BlastPoint's Credit Union Scorecard
IDAHO CENTRAL
Charter #63194 · ID
IDAHO CENTRAL has 12 strengths but faces 6 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 0.0% in tier
- + Organic Growth Engine: Top 18.8% in tier
- + Wallet Share Momentum: Top 60.0% 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
- + Total Delinquency Rate (60+ days): Top 9.5% in tier
- + Net Charge-Off Rate: Top 9.5% in tier
- + Loan-to-Share Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.0% in tier
- - Indirect Auto Dependency: Bottom 14.3% in tier
- - Credit Risk Growth: Bottom 46.1% in tier
- - Credit Quality Pressure: Bottom 93.3% 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
|
Bottom 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% | Top 9.5% in tier |
Signature Analysis
Strengths (3)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)