BlastPoint's Credit Union Scorecard
FRONTIER
Charter #68376 · ID
FRONTIER has 7 strengths but faces 4 concerns
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How does ID stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 25.6% in tier
- + Wallet Share Momentum: Top 62.3% in tier
- + Net Interest Margin 0.24% above tier average
- + Total Deposits: Top 1.2% in tier
- + Deposit Growth Rate: Top 4.7% in tier
- + Total Assets: Top 5.9% in tier
- + Total Loans: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 5.0% in tier
- - Efficiency Drag: Bottom 25.4% in tier
- - ROA 0.31% below tier average
- - Efficiency ratio 2.54% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
51,698
+4.0% YoY+1.4% QoQ
|
+11.9K |
39,752
-2.7% YoY
|
53,577
+7.1% YoY
|
33,089
+6.1% YoY
|
Top 12.4% in tier |
| Assets |
$736.4M
+9.0% YoY+1.1% QoQ
|
+$114.0M |
$622.4M
+0.3% YoY
|
$936.8M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
Top 6.5% in tier |
| Loans |
$563.7M
+7.4% YoY-0.2% QoQ
|
+$127.7M |
$435.9M
-0.4% YoY
|
$777.6M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
Top 8.9% in tier |
| Deposits |
$658.8M
+14.2% YoY+5.2% QoQ
|
+$120.8M |
$538.0M
+1.3% YoY
|
$812.6M
+12.3% YoY
|
$464.6M
+9.3% YoY
|
Top 1.8% in tier |
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| ROA |
0.4%
+68.0% YoY+83.0% QoQ
|
-0.3% |
0.7%
+33.9% YoY
|
0.6%
-15.0% YoY
|
0.7%
+273.4% YoY
|
30% |
| NIM |
3.7%
-1.9% YoY-1.8% QoQ
|
+0.2% |
3.4%
+8.6% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
69% |
| Efficiency Ratio |
80.6%
+0.3% YoY-1.5% QoQ
|
+2.5% |
78.1%
-3.4% YoY
|
73.1%
-2.3% YoY
|
79.1%
-3.3% YoY
|
63% |
| Delinquency Rate |
0.7%
-45.0% YoY+1.1% QoQ
|
-0.1 |
0.8%
-4.9% YoY
|
0.9%
-2.1% YoY
|
1.2%
-0.9% YoY
|
56% |
| Loan To Share |
85.6%
-5.9% YoY-5.1% QoQ
|
+4.5% |
81.0%
-1.8% YoY
|
85.6%
-1.1% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$23,646
+6.7% YoY+1.2% QoQ
|
$-3K |
$26,482
+2.6% YoY
|
$24,176
+3.9% YoY
|
$19,418
+1.3% YoY
|
43% |
| CD Concentration |
27.1%
+0.4% YoY-4.2% QoQ
|
+2.7% |
24.4%
+4.2% YoY
|
27.1%
+1.8% YoY
|
19.6%
+6.2% YoY
|
60% |
| Indirect Auto % |
36.4%
-0.9% YoY-5.3% QoQ
|
+22.4% |
14.0%
-5.7% YoY
|
12.1%
-5.5% YoY
|
7.9%
-2.9% YoY
|
Top 11.2% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)