BlastPoint's Credit Union Scorecard
IDAHO CENTRAL
Charter #63194 · ID
IDAHO CENTRAL has 7 strengths but faces 7 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
- + Emerging Performer: Top 40.0% in tier
- + 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
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 25 credit unions with $10B+ in assets nationally, and 1 of 1 that size in Idaho.
- Shares and deposits +14.4% year over year ($13.6B in shares and deposits).
- Membership: 821,866 members, +12.7% vs a year ago.
- Delinquency rate 0.46%.
- Return on assets 1.18%.
- Efficiency ratio 62.63% vs a 61.57% peer average.
- Loan-to-share ratio 101.40% vs a 87.50% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
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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| 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
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)