IDAHO CENTRAL

Charter #63194 | ID

10B+ (21 CUs) Titans (21 CUs)
1 10B+ in ID

IDAHO CENTRAL has 11 strengths but faces 3 concerns

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
  • + Wallet Share Momentum: Top 12.5% in tier
  • + Relationship Depth Leader: Top 25.0% 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
 29th in tier
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
 Bottom 19.0% in tier
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
 33rd in tier
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
 33rd in tier
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
 Top 23.8% in tier
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
 33rd in tier
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
 52nd in tier
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
 71st in tier
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
 62nd in tier
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
 67th in tier
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 (4)

Emerging Performer

growth
#1 of 10 • Top 0.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

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
10 of 21 Titans CUs have this signature | 852 nationally
→ Stable (10→10 CUs)

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)

Wallet Share Momentum

growth
#5 of 14 • Top 12.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.13%
(Tier: 2.80%, National: 4.19%)
better than tier avg
14 of 21 Titans CUs have this signature | 1330 nationally
↑ Growing +8 CUs YoY | New qualifier

Relationship Depth Leader

growth
#9 of 14 • Top 25.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.13%
(Tier: 2.80%, National: 4.19%)
better than tier avg
Share Draft per Member: $775.32
(Tier: $2.9K, National: $2.0K)
but worse than tier avg
14 of 21 Titans CUs have this signature | 1330 nationally
↑ Growing +8 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)

Comparing against 21 peers in tier

Top Strengths (9 metrics)

1
Member Growth Rate
growth
Value: 14.31%
Peer Avg: 3.59%
#1 of 21 Top 0.0% in 10B+ tier
1
Asset Growth Rate
growth
Value: 18.82%
Peer Avg: 4.36%
#1 of 21 Top 0.0% in 10B+ tier
1
Loan Growth Rate
growth
Value: 19.42%
Peer Avg: 6.37%
#1 of 21 Top 0.0% in 10B+ tier
1
Deposit Growth Rate
growth
Value: 20.93%
Peer Avg: 6.48%
#1 of 21 Top 0.0% in 10B+ tier
3
Total Delinquency Rate (60+ days)
risk
Value: 0.39%
Peer Avg: 1.18%
#3 of 21 Top 9.5% in 10B+ tier
4
Net Charge-Off Rate
risk
Value: 0.41%
Peer Avg: 0.85%
#4 of 21 Top 14.3% in 10B+ tier
5
Return on Assets (ROA)
profitability
Value: 1.07%
Peer Avg: 0.76%
#5 of 21 Top 19.0% in 10B+ tier
5
AMR Growth Rate
growth
Value: 5.13%
Peer Avg: 2.80%
#5 of 21 Top 19.0% in 10B+ tier
6
Loan-to-Share Ratio
balance_sheet
Value: 98.62%
Peer Avg: 89.80%
#6 of 21 Top 23.8% in 10B+ tier

Top Weaknesses (3 metrics)

21
Net Worth Ratio
risk
Value: 8.38%
Peer Avg: 10.22%
#21 of 21 Bottom 4.8% in 10B+ tier
19
Indirect Auto Concentration (%)
balance_sheet
Value: 31.77%
Peer Avg: 14.25%
#19 of 21 Bottom 14.3% in 10B+ tier
17
Total Assets
balance_sheet
Value: $13.90B
Peer Avg: $28.72B
#17 of 21 Bottom 23.8% in 10B+ tier