BlastPoint's Credit Union Scorecard
CLARITY
Charter #68295 · ID
CLARITY has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Net Interest Margin 0.56% above tier average
- + First Mortgage Concentration (%): Top 3.4% in tier
- + Loan Growth Rate: Top 4.8% in tier
- + Deposit Growth Rate: Top 5.1% in tier
- + Asset Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.51% below tier average
- - Efficiency ratio 6.13% above tier (higher cost structure)
- - Delinquency rate 0.11% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 7 that size in Idaho.
- Shares and deposits +12.0% year over year ($217M in shares and deposits).
- Membership: 19,344 members, +3.4% vs a year ago.
- Delinquency rate 0.99%.
- Return on assets 0.35%.
- Efficiency ratio 82.87% vs a 76.73% peer average.
- Loan-to-share ratio 76.59% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,344
+3.4% YoY0% QoQ
|
+4.2K |
15,168
-2.6% YoY
|
72,350
+37.4% YoY
|
34,678
+6.6% YoY
|
76% |
| Assets |
$235.6M
+10.8% YoY+1.8% QoQ
|
+$3.6M |
$232.0M
+0.7% YoY
|
$1.3B
+42.1% YoY
|
$593.1M
+10.2% YoY
|
60% |
| Loans |
$165.9M
+17.4% YoY-0.4% QoQ
|
+$19.7M |
$146.3M
+0.2% YoY
|
$1.1B
+44.8% YoY
|
$418.6M
+10.1% YoY
|
66% |
| Deposits |
$216.6M
+12.0% YoY+2.3% QoQ
|
+$15.9M |
$200.7M
+0.2% YoY
|
$1.1B
+40.5% YoY
|
$504.8M
+10.3% YoY
|
63% |
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 |
0.4%
-68.6% YoY-41.2% QoQ
|
-0.5% |
0.9%
+12.5% YoY
|
0.8%
-11.7% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
4.2%
-5.3% YoY+1.1% QoQ
|
+0.6% |
3.7%
+4.5% YoY
|
3.6%
+0.7% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
82.9%
+12.0% YoY+3.6% QoQ
|
+6.1% |
76.7%
-0.8% YoY
|
77.8%
+6.1% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
1.0%
-40.7% YoY-0.6% QoQ
|
+0.1 |
0.9%
+6.6% YoY
|
0.7%
-36.1% YoY
|
1.3%
+2.6% YoY
|
69% |
| Loan To Share |
76.6%
+4.8% YoY-2.6% QoQ
|
+5.0% |
71.5%
-0.3% YoY
|
87.8%
+3.1% YoY
|
66.4%
-1.4% YoY
|
56% |
| AMR |
$19,777
+10.5% YoY+1.1% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$26,672
+11.3% YoY
|
$20,028
-0.9% YoY
|
30% |
| CD Concentration |
34.7%
+16.3% YoY+0.5% QoQ
|
+10.1% | 24.6% | 31.4% | 20.0% | 50% |
| Indirect Auto % |
11.5%
-7.3% YoY+1.0% QoQ
|
-2.2% | 13.6% | 14.2% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)