BlastPoint's Credit Union Scorecard

FRONTIER

Charter #68376 · ID

Community 500M-750M
165 CUs in 500M-750M nationally 4 in ID
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FRONTIER has 6 strengths but faces 4 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
ID Analysis

How does ID stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 77.4% in tier
  • + Net Interest Margin 0.33% above tier average
  • + Total Loans: Top 6.1% in tier
  • + Total Members: Top 7.3% in tier
  • + Member Growth Rate: Top 7.9% in tier
  • + Total Deposits: Top 8.5% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 57.2% in tier
  • - Efficiency Drag: Bottom 88.5% in tier
  • - ROA 0.35% below tier average
  • - Efficiency ratio 2.81% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Members 52,110
+4.7% YoY+0.8% QoQ
 +13.5K 38,575
-4.8% YoY
 54,272
+7.9% YoY
 33,374
+5.7% YoY
 Top 7.9% in tier
Assets $711.5M
+3.6% YoY-3.4% QoQ
 +$89.8M $621.7M
+0.1% YoY
 $970.0M
+13.3% YoY
 $561.6M
+9.7% YoY
 85%
Loans $570.4M
+7.6% YoY+1.2% QoQ
 +$140.6M $429.8M
-1.8% YoY
 $802.2M
+13.5% YoY
 $397.0M
+8.8% YoY
 Top 6.7% in tier
Deposits $634.4M
+7.4% YoY-3.7% QoQ
 +$95.6M $538.7M
+0.6% YoY
 $828.5M
+12.5% YoY
 $477.3M
+9.7% YoY
 Top 9.1% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.3%
+48.8% YoY-13.7% QoQ
 -0.4% 0.7%
+42.9% YoY
 0.8%
+25.2% YoY
 0.7%
+15.9% YoY
 21%
NIM 3.8%
+0.8% YoY+2.9% QoQ
 +0.3% 3.4%
+8.0% YoY
 3.7%
+5.8% YoY
 3.8%
+5.1% YoY
 76%
Efficiency Ratio 80.3%
+1.6% YoY-0.4% QoQ
 +2.8% 77.5%
-4.1% YoY
 73.6%
-4.6% YoY
 79.7%
-3.3% YoY
 61%
Delinquency Rate 0.6%
-50.6% YoY-12.2% QoQ
 -0.2 0.8%
-1.1% YoY
 0.9%
-20.4% YoY
 1.3%
-2.1% YoY
 43%
Loan To Share 89.9%
+0.1% YoY+5.1% QoQ
 +10.1% 79.8%
-2.3% YoY
 84.8%
-0.9% YoY
 67.4%
-1.7% YoY
 77%
AMR $23,120
+2.6% YoY-2.2% QoQ
 $-4K $26,849
+2.7% YoY
 $24,417
+3.6% YoY
 $19,687
+2.0% YoY
 34%
CD Concentration 25.9%
-5.1% YoY-4.4% QoQ
 +1.4% 24.4% 27.2% 19.8% 55%
Indirect Auto % 37.2%
+3.5% YoY+2.2% QoQ
 +23.4% 13.8% 11.9% 7.8% Top 10.3% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#461 of 595 • Top 77.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.74%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.31%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 37.15%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#290 of 506 • Bottom 57.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.56%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Indirect Auto %: 37.15%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 4.74%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
745 nationally
↓ Shrinking -35 CUs YoY | Rank worsening

Efficiency Drag

risk
#476 of 538 • Bottom 88.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.32%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.10% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 4.74%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
633 nationally
↓ Shrinking -98 CUs YoY | New qualifier

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)

Comparing against 165 peers in tier

Top Strengths (9 metrics)

11
Total Loans
balance_sheet
Value: $570.43M
Peer Median: -
#11 of 165 Top 6.1% in 500M-750M tier
13
Total Members
engagement
Value: 52,110
Peer Median: -
#13 of 165 Top 7.3% in 500M-750M tier
14
Member Growth Rate
growth
Value: 4.74%
Peer Median: -
#14 of 165 Top 7.9% in 500M-750M tier
15
Total Deposits
balance_sheet
Value: $634.36M
Peer Median: -
#15 of 165 Top 8.5% in 500M-750M tier
25
Total Assets
balance_sheet
Value: $711.48M
Peer Median: -
#25 of 165 Top 14.5% in 500M-750M tier
38
Loan-to-Share Ratio
balance_sheet
Value: 89.92%
Peer Median: -
#38 of 165 Top 22.4% in 500M-750M tier
39
First Mortgage Concentration (%)
balance_sheet
Value: 21.30%
Peer Median: -
#39 of 165 Top 23.0% in 500M-750M tier
40
Net Interest Margin (NIM)
profitability
Value: 3.78%
Peer Median: -
#40 of 165 Top 23.6% in 500M-750M tier
41
Fee Income Per Member
profitability
Value: $241.23
Peer Median: -
#41 of 165 Top 24.2% in 500M-750M tier

Top Weaknesses (5 metrics)

146
Net Charge-Off Rate
risk
Value: 1.03%
Peer Median: -
#146 of 165 Bottom 12.1% in 500M-750M tier
144
Indirect Auto Concentration (%)
balance_sheet
Value: 37.15%
Peer Median: -
#144 of 165 Bottom 13.3% in 500M-750M tier
133
Members Per Employee (MPE)
engagement
Value: 254.195
Peer Median: -
#133 of 165 Bottom 20.0% in 500M-750M tier
132
Net Worth Ratio
risk
Value: 9.01%
Peer Median: -
#132 of 165 Bottom 20.6% in 500M-750M tier
130
Return on Assets (ROA)
profitability
Value: 0.31%
Peer Median: -
#130 of 165 Bottom 21.8% in 500M-750M tier
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