POTLATCH NO. 1 FINANCIAL

Charter #68700 | ID

1B-3B (304 CUs) Mid-Market (380 CUs)
3 1B-3B in ID

POTLATCH NO. 1 FINANCIAL has 1 strength but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.16% above tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 9.8% in tier
  • - Shrinking Wallet Share: Bottom 17.8% in tier
  • - Credit Quality Pressure: Bottom 18.3% in tier
  • - Indirect Auto Dependency: Bottom 19.3% in tier
  • - Liquidity Strain: Bottom 29.6% in tier
  • - ROA 0.06% below tier average
  • - Efficiency ratio 3.98% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 6.9% in tier
  • - Deposit Growth Rate: Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Members 127,998
+0.0% YoY-0.3% QoQ
 +29.3K 98,678
-1.9% YoY
 53,577
+7.1% YoY
 33,089
+6.1% YoY
 Top 22.4% in tier
Assets $2.1B
-0.9% YoY-0.2% QoQ
 +$406.0M $1.7B
+0.5% YoY
 $936.8M
+11.3% YoY
 $547.7M
+7.8% YoY
 72nd in tier
Loans $1.7B
-1.9% YoY-2.2% QoQ
 +$513.4M $1.2B
+0.5% YoY
 $777.6M
+12.0% YoY
 $388.7M
+8.6% YoY
 Top 16.4% in tier
Deposits $1.9B
-2.4% YoY+1.3% QoQ
 +$398.5M $1.5B
+1.3% YoY
 $812.6M
+12.3% YoY
 $464.6M
+9.3% YoY
 Top 25.0% in tier
ROA 0.6%
+1585.2% YoY+9.3% QoQ
 -0.1% 0.7%
+13.4% YoY
 0.6%
-15.0% YoY
 0.7%
+273.4% YoY
 48th in tier
NIM 3.4%
+19.1% YoY+1.5% QoQ
 +0.2% 3.3%
+9.3% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 60th in tier
Efficiency Ratio 78.0%
-10.8% YoY+1.9% QoQ
 +4.0% 74.0%
-10.9% YoY
 73.1%
-2.3% YoY
 79.1%
-3.3% YoY
 64th in tier
Delinquency Rate 0.5%
+21.7% YoY+4.6% QoQ
 -0.4 0.8%
+6.1% YoY
 0.9%
-2.1% YoY
 1.2%
-0.9% YoY
 27th in tier
Loan To Share 94.3%
+0.5% YoY-3.4% QoQ
 +9.1% 85.2%
-0.8% YoY
 85.6%
-1.1% YoY
 68.0%
-1.7% YoY
 71st in tier
AMR $28,120
-2.2% YoY-0.1% QoQ
 $-1K $29,172
+2.8% YoY
 $24,176
+3.9% YoY
 $19,418
+1.3% YoY
 55th in tier
CD Concentration 29.1%
-14.2% YoY-5.2% QoQ
 +0.1% 29.0%
+0.8% YoY
 27.1%
+1.8% YoY
 19.6%
+6.2% YoY
 52nd in tier
Indirect Auto % 33.4%
-7.3% YoY-3.1% QoQ
 +14.6% 18.8%
-2.8% YoY
 12.1%
-5.5% YoY
 7.9%
-2.9% YoY
 Top 19.8% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Deposit Outflow

decline
#13 of 25 • Bottom 9.8% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -2.42%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Total Assets: $2.13B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
25 of 380 Mid-Market CUs have this signature | 143 nationally
↓ Shrinking -42 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#55 of 83 • Bottom 17.8% in tier

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

Why This Signature
AMR Growth (YoY): -2.21%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

Credit Quality Pressure

risk
#141 of 217 • Bottom 18.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.08% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#120 of 202 • Bottom 19.3% in tier

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

Why This Signature
Asset Growth (YoY): -0.94%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 33.41%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.04%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Liquidity Strain

risk
#156 of 183 • Bottom 29.6% in tier

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

Why This Signature
Loan-to-Share Ratio: 94.25%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -1.91%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 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)

Comparing against 304 peers in tier

Top Strengths (3 metrics)

50
Total Loans
balance_sheet
Value: $1.75B
Peer Avg: $1.23B
#50 of 304 Top 16.1% in 1B-3B tier
68
Total Members
engagement
Value: 127,998
Peer Avg: 98,678
#68 of 304 Top 22.0% in 1B-3B tier
76
Total Deposits
balance_sheet
Value: $1.85B
Peer Avg: $1.45B
#76 of 304 Top 24.7% in 1B-3B tier

Top Weaknesses (6 metrics)

284
Net Worth Ratio
risk
Value: 8.66%
Peer Avg: 11.44%
#284 of 304 Bottom 6.9% in 1B-3B tier
282
Deposit Growth Rate
growth
Value: -2.42%
Peer Avg: 5.58%
#282 of 304 Bottom 7.6% in 1B-3B tier
264
Asset Growth Rate
growth
Value: -0.94%
Peer Avg: 4.83%
#264 of 304 Bottom 13.5% in 1B-3B tier
262
AMR Growth Rate
growth
Value: -2.21%
Peer Avg: 3.29%
#262 of 304 Bottom 14.1% in 1B-3B tier
259
Loan Growth Rate
growth
Value: -1.91%
Peer Avg: 5.27%
#259 of 304 Bottom 15.1% in 1B-3B tier
247
Indirect Auto Concentration (%)
balance_sheet
Value: 33.41%
Peer Avg: 18.32%
#247 of 304 Bottom 19.1% in 1B-3B tier