BlastPoint's Credit Union Scorecard

POTLATCH NO. 1 FINANCIAL

Charter #68700 · ID

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 3 in ID

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POTLATCH NO. 1 FINANCIAL has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

ID Analysis

How does ID stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 57.4% in tier
- Credit Quality Pressure: Bottom 74.3% in tier
- Shrinking Wallet Share: Bottom 76.9% in tier
- Deposit Outflow: Bottom 88.9% in tier
- Liquidity Strain: Bottom 91.5% in tier
- ROA 0.02% below tier average
- Efficiency ratio 4.01% above tier (higher cost structure)
- Net Worth Ratio: Bottom 8.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	127,567 -0.2% YoY-0.3% QoQ	+30.1K	97,431 -2.4% YoY	54,272 +7.9% YoY	33,374 +5.7% YoY	79%
Assets	$2.1B +1.1% YoY+0.4% QoQ	+$410.7M	$1.7B +0.9% YoY	$970.0M +13.3% YoY	$561.6M +9.7% YoY	73%
Loans	$1.7B -1.8% YoY-1.1% QoQ	+$492.8M	$1.2B +0.5% YoY	$802.2M +13.5% YoY	$397.0M +8.8% YoY	82%
Deposits	$1.8B -1.2% YoY-0.2% QoQ	+$389.0M	$1.5B +0.9% YoY	$828.5M +12.5% YoY	$477.3M +9.7% YoY	75%

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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	0.7% -436.6% YoY+2.6% QoQ	-0.0%	0.7% +20.9% YoY	0.8% +25.2% YoY	0.7% +15.9% YoY	52%
NIM	3.5% +15.8% YoY+0.9% QoQ	+0.2%	3.3% +9.2% YoY	3.7% +5.8% YoY	3.8% +5.1% YoY	59%
Efficiency Ratio	78.1% -11.2% YoY+0.1% QoQ	+4.0%	74.1% -9.5% YoY	73.6% -4.6% YoY	79.7% -3.3% YoY	65%
Delinquency Rate	0.6% +13.3% YoY+23.7% QoQ	-0.3	0.9% +6.2% YoY	0.9% -20.4% YoY	1.3% -2.1% YoY	33%
Loan To Share	93.4% -0.6% YoY-0.9% QoQ	+8.7%	84.8% -0.8% YoY	84.8% -0.9% YoY	67.4% -1.7% YoY	69%
AMR	$28,029 -1.3% YoY-0.3% QoQ	$-1K	$29,428 +2.4% YoY	$24,417 +3.6% YoY	$19,687 +2.0% YoY	52%
CD Concentration	28.6% -13.8% YoY-1.7% QoQ	-0.5%	29.0%	27.2%	19.8%	50%
Indirect Auto %	33.1% -6.8% YoY-0.8% QoQ	+14.8%	18.3%	11.9%	7.8%	81%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#113 of 196 • Bottom 57.4% in tier

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

Why This Signature

Asset Growth (YoY): 1.06%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 33.14%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -0.24%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#157 of 211 • Bottom 74.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#61 of 79 • Bottom 76.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.28%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

79 of 378 Mid-Market CUs have this signature | 303 nationally

↓ Shrinking -33 CUs YoY | Rank improving

Deposit Outflow

decline

#17 of 19 • Bottom 88.9% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.21%

(Tier: 6.71%, National: 13.79%)

worse than tier avg

Member Growth (YoY): -0.24%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

19 of 378 Mid-Market CUs have this signature | 91 nationally

→ No prior data (19 CUs now) | New qualifier

Liquidity Strain

risk

#152 of 166 • Bottom 91.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.44%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -1.83%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 302 peers in tier

Top Strengths (3 metrics)

Total Loans

balance_sheet

Value: $1.73B

Peer Median: -

#54 of 302 Top 17.5% in 1B-3B tier

Total Members

engagement

Value: 127,567

Peer Median: -

#64 of 302 Top 20.9% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.85B

Peer Median: -

#75 of 302 Top 24.5% in 1B-3B tier

Top Weaknesses (6 metrics)

277

Net Worth Ratio

risk

Value: 8.75%

Peer Median: -

#277 of 302 Bottom 8.6% in 1B-3B tier

271

Deposit Growth Rate

growth

Value: -1.21%

Peer Median: -

#271 of 302 Bottom 10.6% in 1B-3B tier

259

Loan Growth Rate

growth

Value: -1.83%

Peer Median: -

#259 of 302 Bottom 14.6% in 1B-3B tier

251

AMR Growth Rate

growth

Value: -1.28%

Peer Median: -

#251 of 302 Bottom 17.2% in 1B-3B tier

246

Asset Growth Rate

growth

Value: 1.06%

Peer Median: -

#246 of 302 Bottom 18.9% in 1B-3B tier

245

Indirect Auto Concentration (%)

balance_sheet

Value: 33.14%

Peer Median: -

#245 of 302 Bottom 19.2% in 1B-3B tier