BlastPoint's Credit Union Scorecard

CONNECTIONS

Charter #68257 · ID

100M-500M

1024 CUs in 100M-500M nationally 7 in ID

CONNECTIONS has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

ID Analysis

How does ID stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.16% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 0.47% below tier average
- Efficiency ratio 4.11% above tier (higher cost structure)
- Delinquency rate 0.39% above tier average

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 7 that size in Idaho.
Shares and deposits +2.2% year over year ($231M in shares and deposits).
Membership: 19,185 members, -3.2% vs a year ago.
Delinquency rate 1.27%.
Return on assets 0.40%.
Efficiency ratio 80.84% vs a 76.73% peer average.
Loan-to-share ratio 90.60% vs a 71.54% 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	19,185 -3.2% YoY-0.7% QoQ	+4.0K	15,168 -2.6% YoY	72,350 +37.4% YoY	34,678 +6.6% YoY	75%
Assets	$256.1M +2.6% YoY-1.3% QoQ	+$24.0M	$232.0M +0.7% YoY	$1.3B +42.1% YoY	$593.1M +10.2% YoY	65%
Loans	$209.7M +2.2% YoY+1.2% QoQ	+$63.4M	$146.3M +0.2% YoY	$1.1B +44.8% YoY	$418.6M +10.1% YoY	78%
Deposits	$231.4M +2.2% YoY-1.8% QoQ	+$30.7M	$200.7M +0.2% YoY	$1.1B +40.5% YoY	$504.8M +10.3% YoY	66%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% -5.1% YoY-5.3% QoQ	-0.5%	0.9% +12.5% YoY	0.8% -11.7% YoY	1.2% +121.4% YoY	21%
NIM	3.8% +0.6% YoY+1.4% QoQ	+0.2%	3.7% +4.5% YoY	3.6% +0.7% YoY	3.8% +2.3% YoY	62%
Efficiency Ratio	80.8% -1.4% YoY+1.9% QoQ	+4.1%	76.7% -0.8% YoY	77.8% +6.1% YoY	83.0% -5.3% YoY	60%
Delinquency Rate	1.3% -33.5% YoY-7.7% QoQ	+0.4	0.9% +6.6% YoY	0.7% -36.1% YoY	1.3% +2.6% YoY	80%
Loan To Share	90.6% +0.0% YoY+3.1% QoQ	+19.1%	71.5% -0.3% YoY	87.8% +3.1% YoY	66.4% -1.4% YoY	Top 13.9% in tier
AMR	$22,992 +5.6% YoY+0.3% QoQ	$-2K	$25,107 +3.2% YoY	$26,672 +11.3% YoY	$20,028 -0.9% YoY	50%
CD Concentration	31.6% +0.8% YoY+1.5% QoQ	+7.0%	24.6%	31.4%	20.0%	50%
Indirect Auto %	17.0% -20.1% YoY-4.0% QoQ	+3.4%	13.6%	14.2%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#429 of 483 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 5.58%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#192 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.24%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 2.18%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.27%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Membership Headwinds

decline

#229 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.24%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Efficiency Drag

risk

#357 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.84%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.02% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -3.24%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#400 of 476 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 2.62%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 16.99%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -3.24%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Liquidity Strain

risk

#218 of 224 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.60%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 2.18%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (2 metrics)

142

Loan-to-Share Ratio

balance_sheet

Value: 90.60%

Peer Median: 73.07%

#142 of 1024 Top 13.8% in 100M-500M tier

223

Total Loans

balance_sheet

Value: $209.68M

Peer Median: $124.04M

#223 of 1024 Top 21.7% in 100M-500M tier

Top Weaknesses (8 metrics)

959

Net Worth Ratio

risk

Value: 8.47%

Peer Median: 11.71%

#959 of 1024 Bottom 6.4% in 100M-500M tier

912

Members Per Employee (MPE)

engagement

Value: 225.706

Peer Median: 310.924

#912 of 1024 Bottom 11.0% in 100M-500M tier

895

First Mortgage Concentration (%)

balance_sheet

Value: 51.36%

Peer Median: 29.92%

#895 of 1024 Bottom 12.7% in 100M-500M tier

839

Member Growth Rate

growth

Value: -3.24%

Peer Median: -0.03%

#839 of 1024 Bottom 18.2% in 100M-500M tier

828

Fee Income Per Member

profitability

Value: $106.71

Peer Median: $159.88

#828 of 1024 Bottom 19.2% in 100M-500M tier

817

Total Delinquency Rate (60+ days)

risk

Value: 1.27%

Peer Median: 0.71%

#817 of 1024 Bottom 20.3% in 100M-500M tier

813

Return on Assets (ROA)

profitability

Value: 0.40%

Peer Median: 0.75%

#813 of 1024 Bottom 20.7% in 100M-500M tier

773

Share Certificate Concentration (%)

balance_sheet

Value: 31.57%

Peer Median: 23.39%

#773 of 1024 Bottom 24.6% in 100M-500M tier