BlastPoint's Credit Union Scorecard
IDAHO UNITED
Charter #68361 · ID
IDAHO UNITED has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 1.6% in tier
- + Total Deposits: Top 6.3% in tier
- + Loan-to-Member Ratio (LMR): Top 7.6% in tier
- + Total Assets: Top 8.3% in tier
- + Asset Growth Rate: Top 8.6% in tier
- + Total Members: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Efficiency ratio 1.23% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 5.5% in tier
- - Net Worth Ratio: Bottom 7.5% in tier
- - Indirect Auto Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,856
+0.9% YoY+0.4% QoQ
|
+3.2K |
2,676
+1.6% YoY
|
55,090
+6.4% YoY
|
33,913
+5.7% YoY
|
Top 9.4% in tier |
| Assets |
$78.2M
+9.2% YoY+7.2% QoQ
|
+$48.0M |
$30.2M
+1.3% YoY
|
$983.6M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
Top 8.4% in tier |
| Loans |
$59.8M
+6.2% YoY+1.0% QoQ
|
+$44.5M |
$15.3M
-2.0% YoY
|
$811.6M
+10.9% YoY
|
$402.4M
+8.7% YoY
|
Top 1.6% in tier |
| Deposits |
$70.4M
+8.7% YoY+7.4% QoQ
|
+$44.7M |
$25.8M
+0.7% YoY
|
$856.3M
+10.5% YoY
|
$494.3M
+9.1% YoY
|
Top 6.4% in tier |
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| ROA |
-0.0%
-104.4% YoY-103.7% QoQ
|
-0.2% |
0.1%
-77.6% YoY
|
0.7%
-6.6% YoY
|
0.4%
-39.2% YoY
|
20% |
| NIM |
3.5%
-7.0% YoY-5.9% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
37% |
| Efficiency Ratio |
91.9%
+29.3% YoY+31.8% QoQ
|
+1.2% |
90.6%
+6.5% YoY
|
76.8%
+3.1% YoY
|
84.6%
+2.8% YoY
|
72% |
| Delinquency Rate |
0.1%
-61.3% YoY-73.6% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
0.9%
-16.7% YoY
|
1.2%
+3.4% YoY
|
18% |
| Loan To Share |
84.9%
-2.3% YoY-5.9% QoQ
|
+26.4% |
58.5%
-3.0% YoY
|
83.5%
-0.7% YoY
|
65.6%
-1.4% YoY
|
Top 12.9% in tier |
| AMR |
$22,240
+6.6% YoY+4.0% QoQ
|
+$7K |
$14,884
-1.7% YoY
|
$24,684
+3.7% YoY
|
$19,920
+1.6% YoY
|
Top 14.6% in tier |
| CD Concentration |
44.5%
+11.9% YoY-0.8% QoQ
|
+20.2% | 24.3% | 27.2% | 19.8% | 50% |
| Indirect Auto % |
8.8%
-3.5% YoY+1.8% QoQ
|
-5.0% | 13.8% | 11.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)