BlastPoint's Credit Union Scorecard
IDAHO UNITED
Charter #68361 · ID
IDAHO UNITED has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 1.8% in tier
- + Total Deposits: Top 7.0% in tier
- + Loan-to-Member Ratio (LMR): Top 7.9% in tier
- + Total Assets: Top 8.9% in tier
- + Total Members: Top 9.4% in tier
- + Asset Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.95% below tier average
- - Share Certificate Concentration (%): Bottom 4.9% in tier
- - Net Worth Ratio: Bottom 8.8% in tier
- - Indirect Auto Concentration (%): Bottom 9.3% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 5 that size in Idaho.
- Shares and deposits +8.8% year over year ($69.8M in shares and deposits).
- Membership: 5,870 members, +0.7% vs a year ago.
- Delinquency rate 0.02%.
- Return on assets 0.54%.
- Efficiency ratio 80.43% vs a 88.77% peer average.
- Loan-to-share ratio 86.46% vs a 58.89% 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 |
5,870
+0.7% YoY+0.2% QoQ
|
+3.3K |
2,585
-1.7% YoY
|
72,350
+37.4% YoY
|
34,678
+6.6% YoY
|
Top 9.4% in tier |
| Assets |
$77.3M
+8.5% YoY-1.1% QoQ
|
+$47.0M |
$30.3M
+1.5% YoY
|
$1.3B
+42.1% YoY
|
$593.1M
+10.2% YoY
|
Top 8.9% in tier |
| Loans |
$60.4M
+6.2% YoY+0.9% QoQ
|
+$44.9M |
$15.5M
-1.7% YoY
|
$1.1B
+44.8% YoY
|
$418.6M
+10.1% YoY
|
Top 1.8% in tier |
| Deposits |
$69.8M
+8.8% YoY-0.9% QoQ
|
+$44.0M |
$25.8M
+1.1% YoY
|
$1.1B
+40.5% YoY
|
$504.8M
+10.3% YoY
|
Top 7.1% in tier |
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| ROA |
0.5%
-45.6% YoY
|
-1.0% |
1.5%
+241.5% YoY
|
0.8%
-11.7% YoY
|
1.2%
+121.4% YoY
|
34% |
| NIM |
3.6%
-4.9% YoY+3.1% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.6%
+0.7% YoY
|
3.8%
+2.3% YoY
|
40% |
| Efficiency Ratio |
80.4%
+11.7% YoY-12.5% QoQ
|
-8.3% |
88.8%
-6.9% YoY
|
77.8%
+6.1% YoY
|
83.0%
-5.3% YoY
|
49% |
| Delinquency Rate |
0.0%
-81.2% YoY-71.2% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
0.7%
-36.1% YoY
|
1.3%
+2.6% YoY
|
Top 14.0% in tier |
| Loan To Share |
86.5%
-2.4% YoY+1.8% QoQ
|
+27.6% |
58.9%
-3.1% YoY
|
87.8%
+3.1% YoY
|
66.4%
-1.4% YoY
|
Top 12.6% in tier |
| AMR |
$22,177
+6.9% YoY-0.3% QoQ
|
+$7K |
$14,963
-6.8% YoY
|
$26,672
+11.3% YoY
|
$20,028
-0.9% YoY
|
85% |
| CD Concentration |
47.4%
+12.5% YoY+6.7% QoQ
|
+22.9% | 24.6% | 31.4% | 20.0% | 50% |
| Indirect Auto % |
8.6%
-0.4% YoY-2.3% QoQ
|
-5.1% | 13.6% | 14.2% | 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)