BlastPoint's Credit Union Scorecard
CLARITY
Charter #68295 · ID
CLARITY has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 40.7% in tier
- + Wallet Share Momentum: Top 41.2% in tier
- + Organic Growth Engine: Top 64.8% in tier
- + Emerging Performer: Top 82.3% in tier
- + Net Interest Margin 0.77% above tier average
- + First Mortgage Concentration (%): Top 3.5% in tier
- + Loan Growth Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Delinquency rate 0.33% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,103
+3.1% YoY+0.1% QoQ
|
+3.7K |
15,437
-2.9% YoY
|
54,272
+7.9% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$223.5M
+9.4% YoY+2.9% QoQ
|
$-8.3M |
$231.9M
+1.3% YoY
|
$970.0M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$165.6M
+15.1% YoY+2.9% QoQ
|
+$18.2M |
$147.3M
-0.1% YoY
|
$802.2M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$203.8M
+9.4% YoY+3.2% QoQ
|
+$3.0M |
$200.8M
+0.8% YoY
|
$828.5M
+12.5% YoY
|
$477.3M
+9.7% YoY
|
60% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
-43.4% YoY-2.0% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.8%
+25.2% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
4.4%
-0.4% YoY-2.0% QoQ
|
+0.8% |
3.6%
+6.7% YoY
|
3.7%
+5.8% YoY
|
3.8%
+5.1% YoY
|
Top 12.6% in tier |
| Efficiency Ratio |
75.2%
+4.3% YoY+1.4% QoQ
|
-1.8% |
77.0%
-3.1% YoY
|
73.6%
-4.6% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
1.2%
-28.5% YoY-4.4% QoQ
|
+0.3 |
0.9%
+4.2% YoY
|
0.9%
-20.4% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
81.2%
+5.1% YoY-0.3% QoQ
|
+9.0% |
72.2%
-1.1% YoY
|
84.8%
-0.9% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$19,337
+8.5% YoY+3.0% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$24,417
+3.6% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
34.6%
+27.9% YoY-1.8% QoQ
|
+10.1% | 24.4% | 27.2% | 19.8% | 50% |
| Indirect Auto % |
11.6%
-4.6% YoY-5.3% QoQ
|
-2.2% | 13.8% | 11.9% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)