BlastPoint's Credit Union Scorecard
CONNECTIONS
Charter #68257 · ID
CONNECTIONS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.17% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.31% below tier average
- - Efficiency ratio 1.31% above tier (higher cost structure)
- - Delinquency rate 0.60% above tier average
- - Member decline: -3.0% YoY
- - Net Worth Ratio: Bottom 4.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,329
-3.0% YoY-0.8% QoQ
|
+4.2K |
15,145
-2.5% YoY
|
55,090
+6.4% YoY
|
33,913
+5.7% YoY
|
75% |
| Assets |
$259.4M
+1.5% YoY+1.9% QoQ
|
+$27.7M |
$231.7M
+0.8% YoY
|
$983.6M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
66% |
| Loans |
$207.2M
+0.5% YoY-0.0% QoQ
|
+$63.0M |
$144.1M
+0.2% YoY
|
$811.6M
+10.9% YoY
|
$402.4M
+8.7% YoY
|
78% |
| Deposits |
$235.8M
+0.8% YoY+1.9% QoQ
|
+$34.6M |
$201.1M
+0.4% YoY
|
$856.3M
+10.5% YoY
|
$494.3M
+9.1% YoY
|
67% |
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| ROA |
0.4%
+23.5% YoY-11.3% QoQ
|
-0.3% |
0.7%
+5.1% YoY
|
0.7%
-6.6% YoY
|
0.4%
-39.2% YoY
|
31% |
| NIM |
3.8%
+1.4% YoY-2.9% QoQ
|
+0.2% |
3.6%
+4.6% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
63% |
| Efficiency Ratio |
79.3%
-5.4% YoY-1.7% QoQ
|
+1.3% |
78.0%
-1.7% YoY
|
76.8%
+3.1% YoY
|
84.6%
+2.8% YoY
|
52% |
| Delinquency Rate |
1.4%
-11.3% YoY-4.6% QoQ
|
+0.6 |
0.8%
+7.1% YoY
|
0.9%
-16.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.7% in tier |
| Loan To Share |
87.9%
-0.2% YoY-1.9% QoQ
|
+17.4% |
70.4%
-0.4% YoY
|
83.5%
-0.7% YoY
|
65.6%
-1.4% YoY
|
Top 14.8% in tier |
| AMR |
$22,914
+3.7% YoY+1.9% QoQ
|
$-2K |
$24,918
+2.7% YoY
|
$24,684
+3.7% YoY
|
$19,920
+1.6% YoY
|
50% |
| CD Concentration |
31.1%
+2.4% YoY-1.1% QoQ
|
+6.8% | 24.3% | 27.2% | 19.8% | 50% |
| Indirect Auto % |
17.7%
-21.6% YoY-6.6% QoQ
|
+3.9% | 13.8% | 11.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
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.
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)