FRONTIER

Charter #68376 | ID

500M-750M (169 CUs) Community (281 CUs)
4 500M-750M in ID

FRONTIER has 8 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 10.8% in tier
  • + Relationship Depth Leader: Top 11.2% in tier
  • + Organic Growth Engine: Top 25.6% 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
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
 30th in tier
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
 69th in tier
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
 63rd in tier
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
 56th in tier
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
 56th in tier
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
 43rd in tier
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
 60th in tier
Indirect Auto % 36.4%
-0.9% YoY-5.3% QoQ
 +22.4% 14.0%
-5.8% YoY
 12.1%
-5.5% YoY
 7.9%
-2.9% YoY
 Top 11.2% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#300 of 1006 • Top 10.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.70%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#311 of 1006 • Top 11.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.70%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Engine

growth
#469 of 603 • Top 25.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.98%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.35%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 36.36%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (2)

Indirect Auto Dependency

risk
#82 of 525 • Bottom 5.0% in tier

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

Why This Signature
Asset Growth (YoY): 8.98%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 36.36%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.98%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Efficiency Drag

risk
#449 of 521 • Bottom 25.4% in tier

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

Why This Signature
Efficiency Ratio: 80.64%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.14% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 3.98%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

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 169 peers in tier

Top Strengths (9 metrics)

3
Total Deposits
balance_sheet
Value: $658.79M
Peer Avg: $538.02M
#3 of 169 Top 1.2% in 500M-750M tier
9
Deposit Growth Rate
growth
Value: 14.17%
Peer Avg: 5.25%
#9 of 169 Top 4.7% in 500M-750M tier
11
Total Assets
balance_sheet
Value: $736.36M
Peer Avg: $622.38M
#11 of 169 Top 5.9% in 500M-750M tier
15
Total Loans
balance_sheet
Value: $563.66M
Peer Avg: $435.95M
#15 of 169 Top 8.3% in 500M-750M tier
21
Total Members
engagement
Value: 51,698
Peer Avg: 39,752
#21 of 169 Top 11.8% in 500M-750M tier
26
Asset Growth Rate
growth
Value: 8.98%
Peer Avg: 4.33%
#26 of 169 Top 14.8% in 500M-750M tier
29
Member Growth Rate
growth
Value: 3.98%
Peer Avg: 1.75%
#29 of 169 Top 16.6% in 500M-750M tier
33
First Mortgage Concentration (%)
balance_sheet
Value: 19.09%
Peer Avg: 33.53%
#33 of 169 Top 18.9% in 500M-750M tier
38
AMR Growth Rate
growth
Value: 6.70%
Peer Avg: 3.12%
#38 of 169 Top 21.9% in 500M-750M tier

Top Weaknesses (4 metrics)

153
Net Charge-Off Rate
risk
Value: 1.09%
Peer Avg: 0.51%
#153 of 169 Bottom 10.1% in 500M-750M tier
148
Indirect Auto Concentration (%)
balance_sheet
Value: 36.36%
Peer Avg: 16.19%
#148 of 169 Bottom 13.0% in 500M-750M tier
142
Members Per Employee (MPE)
engagement
Value: 252.185
Peer Avg: 338.010
#142 of 169 Bottom 16.6% in 500M-750M tier
134
Net Worth Ratio
risk
Value: 9.03%
Peer Avg: 10.94%
#134 of 169 Bottom 21.3% in 500M-750M tier