BlastPoint's Credit Union Scorecard
IDAHO UNITED
Charter #68361 · ID
IDAHO UNITED has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.50% above tier average
- + Total Loans: Top 2.3% in tier
- + Loan-to-Member Ratio (LMR): Top 7.6% in tier
- + Total Deposits: Top 9.1% in tier
- + Loan-to-Share Ratio: Top 9.7% in tier
- + Total Members: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 5.4% in tier
- - Indirect Auto Concentration (%): Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,835
+0.7% YoY-0.8% QoQ
|
+3.2K |
2,615
-1.9% YoY
|
54,272
+7.9% YoY
|
33,374
+5.7% YoY
|
Top 9.7% in tier |
| Assets |
$72.9M
+2.5% YoY-0.8% QoQ
|
+$42.8M |
$30.1M
+2.1% YoY
|
$970.0M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Top 11.1% in tier |
| Loans |
$59.2M
+8.4% YoY+4.1% QoQ
|
+$43.5M |
$15.8M
-1.3% YoY
|
$802.2M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Top 2.3% in tier |
| Deposits |
$65.6M
+1.5% YoY-1.3% QoQ
|
+$39.9M |
$25.7M
+1.4% YoY
|
$828.5M
+12.5% YoY
|
$477.3M
+9.7% YoY
|
Top 9.1% in tier |
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| ROA |
1.1%
+18.1% YoY+7.0% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.8%
+25.2% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
3.8%
+10.7% YoY-0.3% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.7%
+5.8% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
69.7%
-4.2% YoY-0.9% QoQ
|
-12.8% |
82.6%
-2.3% YoY
|
73.6%
-4.6% YoY
|
79.7%
-3.3% YoY
|
27% |
| Delinquency Rate |
0.2%
-4.7% YoY-30.7% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
0.9%
-20.4% YoY
|
1.3%
-2.1% YoY
|
27% |
| Loan To Share |
90.3%
+6.8% YoY+5.4% QoQ
|
+29.7% |
60.6%
-3.1% YoY
|
84.8%
-0.9% YoY
|
67.4%
-1.7% YoY
|
Top 9.8% in tier |
| AMR |
$21,389
+4.0% YoY+2.0% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$24,417
+3.6% YoY
|
$19,687
+2.0% YoY
|
83% |
| CD Concentration |
44.9%
+15.5% YoY+6.9% QoQ
|
+20.4% | 24.4% | 27.2% | 19.8% | 50% |
| Indirect Auto % |
8.6%
-6.8% YoY-3.2% QoQ
|
-5.2% | 13.8% | 11.9% | 7.8% | 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)