BlastPoint's Credit Union Scorecard
CONNECTIONS
Charter #68257 · ID
CONNECTIONS has 1 strength but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.30% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 26.2% in tier
- - Membership Headwinds: Bottom 49.7% in tier
- - Flatlined Growth: Bottom 57.5% in tier
- - Institutional Decline: Bottom 65.3% in tier
- - Efficiency Drag: Bottom 83.4% in tier
- - Indirect Auto Dependency: Bottom 91.5% in tier
- - ROA 0.29% below tier average
- - Efficiency ratio 3.69% above tier (higher cost structure)
- - Delinquency rate 0.55% above tier average
- - Member decline: -2.8% YoY
- - Net Worth Ratio: Bottom 5.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,494
-2.8% YoY-0.7% QoQ
|
+4.1K |
15,437
-2.9% YoY
|
54,272
+7.9% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$254.6M
-0.0% YoY+0.8% QoQ
|
+$22.8M |
$231.9M
+1.3% YoY
|
$970.0M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
65% |
| Loans |
$207.2M
-1.8% YoY-1.4% QoQ
|
+$59.8M |
$147.3M
-0.1% YoY
|
$802.2M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
77% |
| Deposits |
$231.3M
-0.9% YoY+1.3% QoQ
|
+$30.5M |
$200.8M
+0.8% YoY
|
$828.5M
+12.5% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
0.5%
+63.4% YoY+3.6% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.8%
+25.2% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
3.9%
+3.0% YoY+0.2% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.7%
+5.8% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
80.7%
-4.0% YoY-0.8% QoQ
|
+3.7% |
77.0%
-3.1% YoY
|
73.6%
-4.6% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
1.4%
-33.4% YoY+32.4% QoQ
|
+0.5 |
0.9%
+4.2% YoY
|
0.9%
-20.4% YoY
|
1.3%
-2.1% YoY
|
85% |
| Loan To Share |
89.6%
-0.9% YoY-2.6% QoQ
|
+17.3% |
72.2%
-1.1% YoY
|
84.8%
-0.9% YoY
|
67.4%
-1.7% YoY
|
85% |
| AMR |
$22,495
+1.5% YoY+0.7% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$24,417
+3.6% YoY
|
$19,687
+2.0% YoY
|
49% |
| CD Concentration |
31.4%
+8.6% YoY+0.3% QoQ
|
+7.0% | 24.4% | 27.2% | 19.8% | 50% |
| Indirect Auto % |
18.9%
-19.0% YoY-3.3% QoQ
|
+5.1% | 13.8% | 11.9% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)