BlastPoint's Credit Union Scorecard
FRONTIER
Charter #68376 · ID
FRONTIER has 6 strengths but faces 4 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 19.2% in tier
- + Net Interest Margin 0.14% above tier average
- + Strong member growth: 5.2% YoY
- + Asset Growth Rate: Top 5.4% in tier
- + Loan Growth Rate: Top 9.0% in tier
- + Deposit Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 4.9% in tier
- - Liquidity Strain: Bottom 9.8% in tier
- - ROA 0.32% below tier average
- - Efficiency ratio 5.37% above tier (higher cost structure)
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 1 that size in Idaho.
- Shares and deposits +10.8% year over year ($694M in shares and deposits).
- Membership: 53,628 members, +5.2% vs a year ago.
- Delinquency rate 0.60%.
- Return on assets 0.52%.
- Efficiency ratio 79.90% vs a 74.54% peer average.
- Loan-to-share ratio 93.96% vs a 82.60% 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 |
53,628
+5.2% YoY+1.1% QoQ
|
+1.1K |
52,482
+1.3% YoY
|
72,350
+37.4% YoY
|
34,678
+6.6% YoY
|
54% |
| Assets |
$821.6M
+12.8% YoY+1.4% QoQ
|
$-42.3M |
$863.9M
+0.5% YoY
|
$1.3B
+42.1% YoY
|
$593.1M
+10.2% YoY
|
35% |
| Loans |
$652.2M
+15.5% YoY+3.5% QoQ
|
+$44.4M |
$607.8M
+2.1% YoY
|
$1.1B
+44.8% YoY
|
$418.6M
+10.1% YoY
|
63% |
| Deposits |
$694.2M
+10.8% YoY+0.5% QoQ
|
$-45.7M |
$739.9M
+0.2% YoY
|
$1.1B
+40.5% YoY
|
$504.8M
+10.3% YoY
|
28% |
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| ROA |
0.5%
+168.3% YoY-17.2% QoQ
|
-0.3% |
0.8%
+30.4% YoY
|
0.8%
-11.7% YoY
|
1.2%
+121.4% YoY
|
31% |
| NIM |
3.6%
-2.5% YoY+2.1% QoQ
|
+0.1% |
3.5%
+6.2% YoY
|
3.6%
+0.7% YoY
|
3.8%
+2.3% YoY
|
57% |
| Efficiency Ratio |
79.9%
-2.4% YoY+3.9% QoQ
|
+5.4% |
74.5%
-1.4% YoY
|
77.8%
+6.1% YoY
|
83.0%
-5.3% YoY
|
63% |
| Delinquency Rate |
0.6%
-17.7% YoY+15.8% QoQ
|
-0.2 |
0.8%
+1.0% YoY
|
0.7%
-36.1% YoY
|
1.3%
+2.6% YoY
|
49% |
| Loan To Share |
94.0%
+4.2% YoY+3.0% QoQ
|
+11.4% |
82.6%
+1.9% YoY
|
87.8%
+3.1% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$25,107
+7.4% YoY+0.9% QoQ
|
$-4K |
$28,702
+0.4% YoY
|
$26,672
+11.3% YoY
|
$20,028
-0.9% YoY
|
45% |
| CD Concentration |
22.6%
-20.1% YoY-3.8% QoQ
|
-2.0% | 24.6% | 31.4% | 20.0% | 43% |
| Indirect Auto % |
34.2%
-11.0% YoY-3.5% QoQ
|
+20.5% | 13.6% | 14.2% | 7.7% | Bottom 12.7% 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)