BlastPoint's Credit Union Scorecard
POTLATCH NO. 1 FINANCIAL
Charter #68700 · ID
POTLATCH NO. 1 FINANCIAL has 1 strength 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
- + Net Interest Margin 0.06% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 25.9% in tier
- - Indirect Auto Dependency: Bottom 81.5% in tier
- - ROA 0.06% below tier average
- - Efficiency ratio 5.32% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 9.7% in tier
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 3 that size in Idaho.
- Shares and deposits +0.8% year over year ($1.84B in shares and deposits).
- Membership: 128,448 members, +0.1% vs a year ago.
- Delinquency rate 0.40%.
- Return on assets 0.76%.
- Efficiency ratio 78.34% vs a 73.02% peer average.
- Loan-to-share ratio 95.61% vs a 84.71% 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 |
128,448
+0.1% YoY+0.5% QoQ
|
+31.6K |
96,861
-1.9% YoY
|
72,350
+37.4% YoY
|
34,678
+6.6% YoY
|
79% |
| Assets |
$2.2B
+1.3% YoY+0.1% QoQ
|
+$433.1M |
$1.7B
+0.4% YoY
|
$1.3B
+42.1% YoY
|
$593.1M
+10.2% YoY
|
74% |
| Loans |
$1.8B
-1.2% YoY+2.7% QoQ
|
+$529.2M |
$1.2B
+0.7% YoY
|
$1.1B
+44.8% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$1.8B
+0.8% YoY-1.4% QoQ
|
+$381.0M |
$1.5B
+0.5% YoY
|
$1.1B
+40.5% YoY
|
$504.8M
+10.3% YoY
|
75% |
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| ROA |
0.8%
+27.6% YoY+25.5% QoQ
|
-0.1% |
0.8%
+27.6% YoY
|
0.8%
-11.7% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
3.5%
+3.3% YoY+1.1% QoQ
|
+0.1% |
3.4%
+6.6% YoY
|
3.6%
+0.7% YoY
|
3.8%
+2.3% YoY
|
52% |
| Efficiency Ratio |
78.3%
+2.4% YoY-0.7% QoQ
|
+5.3% |
73.0%
-2.7% YoY
|
77.8%
+6.1% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate |
0.4%
-8.5% YoY+26.3% QoQ
|
-0.5 |
0.9%
+7.3% YoY
|
0.7%
-36.1% YoY
|
1.3%
+2.6% YoY
|
20% |
| Loan To Share |
95.6%
-2.0% YoY+4.2% QoQ
|
+10.9% |
84.7%
+0.1% YoY
|
87.8%
+3.1% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$28,088
-0.3% YoY-0.0% QoQ
|
$-1K |
$29,575
+1.5% YoY
|
$26,672
+11.3% YoY
|
$20,028
-0.9% YoY
|
50% |
| CD Concentration |
28.4%
-7.5% YoY+0.1% QoQ
|
-0.7% | 29.1% | 31.4% | 20.0% | 47% |
| Indirect Auto % |
33.7%
-2.3% YoY+1.8% QoQ
|
+15.6% | 18.1% | 14.2% | 7.7% | 82% |
Signature Analysis
Strengths (0)
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)