BlastPoint's Credit Union Scorecard

CLARITY

Charter #68295 · ID

100M-500M

1070 CUs in 100M-500M nationally 9 in ID

CLARITY has 8 strengths but faces 3 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

+ Organic Growth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Net Interest Margin 0.56% above tier average
+ First Mortgage Concentration (%): Top 3.7% in tier
+ Loan Growth Rate: Top 4.0% in tier
+ Deposit Growth Rate: Top 9.1% in tier

Key Concerns

Areas that may need attention

- ROA 0.13% below tier average
- Efficiency ratio 1.96% above tier (higher cost structure)
- Delinquency rate 0.23% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	19,344 +4.3% YoY+1.3% QoQ	+4.2K	15,145 -2.5% YoY	55,090 +6.4% YoY	33,913 +5.7% YoY	75%
Assets	$231.4M +9.5% YoY+3.5% QoQ	$-272K	$231.7M +0.8% YoY	$983.6M +10.6% YoY	$578.3M +9.0% YoY	59%
Loans	$166.6M +18.5% YoY+0.6% QoQ	+$22.4M	$144.1M +0.2% YoY	$811.6M +10.9% YoY	$402.4M +8.7% YoY	68%
Deposits	$211.8M +10.0% YoY+3.9% QoQ	+$10.6M	$201.1M +0.4% YoY	$856.3M +10.5% YoY	$494.3M +9.1% YoY	62%

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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	0.6% -31.4% YoY+0.8% QoQ	-0.1%	0.7% +5.1% YoY	0.7% -6.6% YoY	0.4% -39.2% YoY	42%
NIM	4.2% -6.6% YoY-4.2% QoQ	+0.6%	3.6% +4.6% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	82%
Efficiency Ratio	80.0% +4.9% YoY+6.4% QoQ	+2.0%	78.0% -1.7% YoY	76.8% +3.1% YoY	84.6% +2.8% YoY	55%
Delinquency Rate	1.0% -20.5% YoY-18.7% QoQ	+0.2	0.8% +7.1% YoY	0.9% -16.7% YoY	1.2% +3.4% YoY	76%
Loan To Share	78.7% +7.8% YoY-3.1% QoQ	+8.3%	70.4% -0.4% YoY	83.5% -0.7% YoY	65.6% -1.4% YoY	65%
AMR	$19,559 +8.9% YoY+1.1% QoQ	$-5K	$24,918 +2.7% YoY	$24,684 +3.7% YoY	$19,920 +1.6% YoY	30%
CD Concentration	34.5% +21.7% YoY-0.2% QoQ	+10.2%	24.3%	27.2%	19.8%	50%
Indirect Auto %	11.4% -9.1% YoY-2.1% QoQ	-2.4%	13.8%	11.8%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#104 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.32%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 11.36%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Wallet Share Momentum

growth

#168 of 491 • 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): 8.89%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Organic Growth Engine

growth

#234 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.32%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.60%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 11.36%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#116 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.60%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 4.32%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 2.65%

Peer Median: 29.47%

#41 of 1070 Top 3.7% in 100M-500M tier

Loan Growth Rate

growth

Value: 18.54%

Peer Median: 2.93%

#44 of 1070 Top 4.0% in 100M-500M tier

Deposit Growth Rate

growth

Value: 9.98%

Peer Median: 3.30%

#98 of 1070 Top 9.1% in 100M-500M tier

126

Asset Growth Rate

growth

Value: 9.54%

Peer Median: 3.91%

#126 of 1070 Top 11.7% in 100M-500M tier

136

AMR Growth Rate

growth

Value: 8.89%

Peer Median: 3.46%

#136 of 1070 Top 12.6% in 100M-500M tier

143

Member Growth Rate

growth

Value: 4.32%

Peer Median: -0.06%

#143 of 1070 Top 13.3% in 100M-500M tier

191

Net Interest Margin (NIM)

profitability

Value: 4.20%

Peer Median: 3.62%

#191 of 1070 Top 17.8% in 100M-500M tier

255

Fee Income Per Member

profitability

Value: $203.14

Peer Median: $154.95

#255 of 1070 Top 23.7% in 100M-500M tier

265

Total Members

engagement

Value: 19,344

Peer Median: 13,200

#265 of 1070 Top 24.7% in 100M-500M tier

Top Weaknesses (3 metrics)

913

Net Charge-Off Rate

risk

Value: 0.87%

Peer Median: 0.35%

#913 of 1070 Bottom 14.8% in 100M-500M tier

900

Share Certificate Concentration (%)

balance_sheet

Value: 34.51%

Peer Median: 23.10%

#900 of 1070 Bottom 16.0% in 100M-500M tier

815

Total Delinquency Rate (60+ days)

risk

Value: 1.00%

Peer Median: 0.61%

#815 of 1070 Bottom 23.9% in 100M-500M tier