BlastPoint's Credit Union Scorecard

POTLATCH NO. 1 FINANCIAL

Charter #68700 · ID

Mid-Market 1B-3B

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

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POTLATCH NO. 1 FINANCIAL has 1 strength but faces 6 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 0.09% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 32.1% in tier
- Indirect Auto Dependency: Bottom 74.2% in tier
- Shrinking Wallet Share: Bottom 80.0% in tier
- ROA 0.11% below tier average
- Efficiency ratio 4.26% above tier (higher cost structure)
- Net Worth Ratio: Bottom 9.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	127,755 +0.1% YoY+0.1% QoQ	+31.7K	96,048 -2.7% YoY	55,090 +6.4% YoY	33,913 +5.7% YoY	80%
Assets	$2.2B +2.5% YoY+1.0% QoQ	+$434.8M	$1.7B +0.4% YoY	$983.6M +10.6% YoY	$578.3M +9.0% YoY	74%
Loans	$1.7B -1.9% YoY-0.6% QoQ	+$503.7M	$1.2B +0.2% YoY	$811.6M +10.9% YoY	$402.4M +8.7% YoY	82%
Deposits	$1.9B +0.8% YoY+1.2% QoQ	+$405.4M	$1.5B +0.5% YoY	$856.3M +10.5% YoY	$494.3M +9.1% YoY	77%

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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	0.6% +41.8% YoY-9.3% QoQ	-0.1%	0.7% +27.6% YoY	0.7% -6.6% YoY	0.4% -39.2% YoY	44%
NIM	3.4% +5.3% YoY-0.3% QoQ	+0.1%	3.4% +6.2% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	54%
Efficiency Ratio	78.9% -0.5% YoY+1.1% QoQ	+4.3%	74.6% -3.0% YoY	76.8% +3.1% YoY	84.6% +2.8% YoY	68%
Delinquency Rate	0.3% -20.0% YoY-44.0% QoQ	-0.4	0.8% +6.9% YoY	0.9% -16.7% YoY	1.2% +3.4% YoY	18%
Loan To Share	91.8% -2.7% YoY-1.8% QoQ	+8.6%	83.2% -0.4% YoY	83.5% -0.7% YoY	65.6% -1.4% YoY	71%
AMR	$28,088 -0.6% YoY+0.2% QoQ	$-2K	$29,652 +2.3% YoY	$24,684 +3.7% YoY	$19,920 +1.6% YoY	50%
CD Concentration	28.3% -10.1% YoY-0.8% QoQ	-0.5%	28.8%	27.2%	19.8%	50%
Indirect Auto %	33.1% -4.3% YoY-0.2% QoQ	+15.0%	18.1%	11.8%	7.7%	81%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Indirect Auto Dependency

risk

#93 of 198 • Bottom 74.2% in tier

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

Why This Signature

Asset Growth (YoY): 2.48%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 33.08%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.07%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#77 of 82 • Bottom 80.0% in tier

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

Why This Signature

AMR Growth (YoY): -0.60%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Strain

risk

#144 of 148 • Bottom 32.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.79%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -1.92%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 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 306 peers in tier

Top Strengths (4 metrics)

Total Loans

balance_sheet

Value: $1.72B

Peer Median: $1.11B

#54 of 306 Top 17.3% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.32%

Peer Median: 0.63%

#56 of 306 Top 18.0% in 1B-3B tier

Total Members

engagement

Value: 127,755

Peer Median: 85,918

#60 of 306 Top 19.3% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.87B

Peer Median: $1.31B

#71 of 306 Top 22.9% in 1B-3B tier

Top Weaknesses (5 metrics)

277

Net Worth Ratio

risk

Value: 8.85%

Peer Median: 10.85%

#277 of 306 Bottom 9.8% in 1B-3B tier

269

Loan Growth Rate

growth

Value: -1.92%

Peer Median: 5.67%

#269 of 306 Bottom 12.4% in 1B-3B tier

253

Deposit Growth Rate

growth

Value: 0.79%

Peer Median: 4.44%

#253 of 306 Bottom 17.6% in 1B-3B tier

252

Indirect Auto Concentration (%)

balance_sheet

Value: 33.08%

Peer Median: 13.86%

#252 of 306 Bottom 18.0% in 1B-3B tier

243

AMR Growth Rate

growth

Value: -0.60%

Peer Median: 3.15%

#243 of 306 Bottom 20.9% in 1B-3B tier