CLARITY
Charter #68295 | ID
100M-500M
(1077 CUs)
Micro
($0-$500M)
9 100M-500M in ID
CLARITY has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 10.2% in tier
- + Emerging Performer: Top 11.4% in tier
- + Organic Growth Engine: Top 19.6% in tier
- + Wallet Share Momentum: Top 22.1% in tier
- + Relationship Depth Leader: Top 26.1% in tier
- + Net Interest Margin 0.88% above tier average
- + First Mortgage Concentration (%): Top 3.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Delinquency rate 0.43% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,087
+3.5% YoY+2.0% QoQ
|
+3.5K |
15,628
-3.4% YoY
|
53,577
+7.1% YoY
|
33,089
+6.1% YoY
|
72nd in tier |
| Assets |
$217.1M
+5.9% YoY+2.1% QoQ
|
$-14.2M |
$231.3M
-0.0% YoY
|
$936.8M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
56th in tier |
| Loans |
$161.0M
+9.6% YoY+13.8% QoQ
|
+$13.2M |
$147.8M
-1.4% YoY
|
$777.6M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
64th in tier |
| Deposits |
$197.5M
+5.6% YoY+2.1% QoQ
|
$-2.8M |
$200.3M
-0.0% YoY
|
$812.6M
+12.3% YoY
|
$464.6M
+9.3% YoY
|
58th in tier |
| ROA |
0.6%
-39.4% YoY-45.9% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.6%
-15.0% YoY
|
0.7%
+273.4% YoY
|
40th in tier |
| NIM |
4.5%
+3.9% YoY-0.2% QoQ
|
+0.9% |
3.6%
+6.9% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 9.7% in tier |
| Efficiency Ratio |
74.2%
+1.1% YoY+0.2% QoQ
|
-3.1% |
77.3%
-3.0% YoY
|
73.1%
-2.3% YoY
|
79.1%
-3.3% YoY
|
38th in tier |
| Delinquency Rate |
1.3%
-28.2% YoY-23.2% QoQ
|
+0.4 |
0.9%
+7.6% YoY
|
0.9%
-2.1% YoY
|
1.2%
-0.9% YoY
|
Top 19.8% in tier |
| Loan To Share |
81.5%
+3.8% YoY+11.5% QoQ
|
+8.8% |
72.7%
-1.5% YoY
|
85.6%
-1.1% YoY
|
68.0%
-1.7% YoY
|
68th in tier |
| AMR |
$18,779
+3.7% YoY+4.9% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$24,176
+3.9% YoY
|
$19,418
+1.3% YoY
|
28th in tier |
| CD Concentration |
35.2%
+31.7% YoY+18.0% QoQ
|
+10.8% |
24.4%
+4.2% YoY
|
27.1%
+1.8% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
12.2%
+1.8% YoY-1.0% QoQ
|
-1.7% |
14.0%
-5.8% YoY
|
12.1%
-5.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Organic Growth Leader
growth
#135 of 430 • Top 10.2% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
3.53%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank improving
Emerging Performer
growth
#215 of 627 • Top 11.4% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.61%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
3.53%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
Organic Growth Engine
growth
#360 of 603 • Top 19.6% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
3.53%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.61%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
12.25%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#609 of 1006 • Top 22.1% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
3.71%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#719 of 1006 • Top 26.1% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
3.71%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.3K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
41
First Mortgage Concentration (%)
balance_sheet
Value:
2.55%
Peer Avg: 30.43%
#41 of 1077
Top 3.7% in 100M-500M tier
105
Net Interest Margin (NIM)
profitability
Value:
4.47%
Peer Avg: 3.58%
#105 of 1077
Top 9.7% in 100M-500M tier
168
Member Growth Rate
growth
Value:
3.53%
Peer Avg: 0.72%
#168 of 1077
Top 15.5% in 100M-500M tier
179
Loan Growth Rate
growth
Value:
9.61%
Peer Avg: 3.45%
#179 of 1077
Top 16.5% in 100M-500M tier
216
Fee Income Per Member
profitability
Value:
$227.68
Peer Avg: $174.31
#216 of 1077
Top 20.0% in 100M-500M tier
Top Weaknesses (3 metrics)
966
Net Charge-Off Rate
risk
Value:
0.95%
Peer Avg: 0.47%
#966 of 1077
Bottom 10.4% in 100M-500M tier
923
Share Certificate Concentration (%)
balance_sheet
Value:
35.22%
Peer Avg: 23.61%
#923 of 1077
Bottom 14.4% in 100M-500M tier
865
Total Delinquency Rate (60+ days)
risk
Value:
1.29%
Peer Avg: 0.86%
#865 of 1077
Bottom 19.8% in 100M-500M tier