BlastPoint's Credit Union Scorecard
FRONTIER
Charter #68376 · ID
FRONTIER has 6 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does ID stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 12.8% in tier
- + Net Interest Margin 0.12% above tier average
- + Strong member growth: 5.5% YoY
- + Asset Growth Rate: Top 4.3% in tier
- + Loan Growth Rate: Top 5.1% in tier
- + Deposit Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 2.7% in tier
- - Liquidity Strain: Bottom 11.6% in tier
- - ROA 0.14% below tier average
- - Efficiency ratio 1.40% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 6.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,045
+5.5% YoY+1.8% QoQ
|
+1.5K |
51,500
+0.7% YoY
|
55,090
+6.4% YoY
|
33,913
+5.7% YoY
|
54% |
| Assets |
$810.2M
+16.1% YoY+13.9% QoQ
|
$-55.4M |
$865.6M
+0.9% YoY
|
$983.6M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
29% |
| Loans |
$629.9M
+16.0% YoY+10.4% QoQ
|
+$34.6M |
$595.3M
+1.6% YoY
|
$811.6M
+10.9% YoY
|
$402.4M
+8.7% YoY
|
56% |
| Deposits |
$690.6M
+13.7% YoY+8.9% QoQ
|
$-51.6M |
$742.2M
+0.6% YoY
|
$856.3M
+10.5% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
0.6%
+105.1% QoQ
|
-0.1% |
0.8%
+45.0% YoY
|
0.7%
-6.6% YoY
|
0.4%
-39.2% YoY
|
49% |
| NIM |
3.6%
-7.4% YoY-5.4% QoQ
|
+0.1% |
3.5%
+6.1% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
57% |
| Efficiency Ratio |
76.9%
-5.4% YoY-4.2% QoQ
|
+1.4% |
75.5%
-3.4% YoY
|
76.8%
+3.1% YoY
|
84.6%
+2.8% YoY
|
49% |
| Delinquency Rate |
0.5%
-45.8% YoY-19.8% QoQ
|
-0.2 |
0.7%
-0.1% YoY
|
0.9%
-16.7% YoY
|
1.2%
+3.4% YoY
|
45% |
| Loan To Share |
91.2%
+2.1% YoY+1.4% QoQ
|
+10.6% |
80.6%
+0.7% YoY
|
83.5%
-0.7% YoY
|
65.6%
-1.4% YoY
|
77% |
| AMR |
$24,894
+8.8% YoY+7.7% QoQ
|
$-4K |
$28,908
+0.7% YoY
|
$24,684
+3.7% YoY
|
$19,920
+1.6% YoY
|
43% |
| CD Concentration |
23.5%
-11.9% YoY-9.3% QoQ
|
-0.8% | 24.3% | 27.2% | 19.8% | 48% |
| Indirect Auto % |
35.4%
-5.5% YoY-4.7% QoQ
|
+21.6% | 13.8% | 11.8% | 7.7% | Bottom 11.4% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)