BlastPoint's Credit Union Scorecard
CLARITY
Charter #68295 · ID
CLARITY has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 10.2% in tier
- + Organic Growth Engine: Top 19.6% in tier
- + Emerging Performer: Top 71.0% 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
|
72% |
| 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
|
56% |
| 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
|
64% |
| 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
|
58% |
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| 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
|
40% |
| 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
|
38% |
| 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
|
80% |
| 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
|
68% |
| 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
|
28% |
| 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
|
50% |
| Indirect Auto % |
12.2%
+1.8% YoY-1.0% QoQ
|
-1.7% |
14.0%
-5.7% YoY
|
12.1%
-5.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (0)
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)