BlastPoint's Credit Union Scorecard
MINI-CASSIA EMPL.
Charter #82527 · ID
2556 CUs in <100M nationally
9 in ID
MINI-CASSIA EMPL. has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.08% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 7.6% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.48% below tier average
- - Efficiency ratio 2.32% above tier (higher cost structure)
- - Delinquency rate 1.03% above tier average
- - Total Assets: Bottom 3.4% in tier
- - Total Deposits: Bottom 3.6% in tier
- - Average Member Relationship (AMR): Bottom 3.6% in tier
- - Fee Income Per Member: Bottom 5.5% in tier
- - Total Loans: Bottom 6.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.7% in tier
- - Total Members: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
341
+0.3% YoY+0.6% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
54,272
+7.9% YoY
|
33,374
+5.7% YoY
|
Bottom 9.0% in tier |
| Assets |
$528,114
+3.8% YoY-1.4% QoQ
|
$-29.6M |
$30.1M
+2.1% YoY
|
$970.0M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.3% in tier |
| Loans |
$410,688
-13.6% YoY-6.5% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$802.2M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.4% in tier |
| Deposits |
$437,940
+4.4% YoY-1.7% QoQ
|
$-25.2M |
$25.7M
+1.4% YoY
|
$828.5M
+12.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.6% in tier |
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| ROA |
0.1%
-73.7% YoY-13.3% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.8%
+25.2% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
4.0%
-16.5% YoY-2.7% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
+5.8% YoY
|
3.8%
+5.1% YoY
|
55% |
| Efficiency Ratio |
84.9%
+14.9% YoY+1.3% QoQ
|
+2.3% |
82.6%
-2.3% YoY
|
73.6%
-4.6% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
2.6%
-54.5% YoY-63.0% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
0.9%
-20.4% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
93.8%
-17.3% YoY-4.9% QoQ
|
+33.2% |
60.6%
-3.1% YoY
|
84.8%
-0.9% YoY
|
67.4%
-1.7% YoY
|
Top 7.7% in tier |
| AMR |
$2,489
-5.4% YoY-4.7% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$24,417
+3.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.6% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 27.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.9% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
194
Loan-to-Share Ratio
balance_sheet
Value:
93.78%
Peer Median: -
#194 of 2556
Top 7.6% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (11 metrics)
2471
Total Assets
balance_sheet
Value:
$528,114
Peer Median: -
#2471 of 2556
Bottom 3.4% in <100M tier
2464
Total Deposits
balance_sheet
Value:
$437,940
Peer Median: -
#2464 of 2556
Bottom 3.6% in <100M tier
2464
Average Member Relationship (AMR)
engagement
Value:
$2,489
Peer Median: -
#2464 of 2556
Bottom 3.6% in <100M tier
2417
Fee Income Per Member
profitability
Value:
$0.46
Peer Median: -
#2417 of 2556
Bottom 5.5% in <100M tier
2393
Total Loans
balance_sheet
Value:
$410,688
Peer Median: -
#2393 of 2556
Bottom 6.4% in <100M tier
2386
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,204
Peer Median: -
#2386 of 2556
Bottom 6.7% in <100M tier
2326
Total Members
engagement
Value:
341
Peer Median: -
#2326 of 2556
Bottom 9.0% in <100M tier
2236
Loan Growth Rate
growth
Value:
-13.62%
Peer Median: -
#2236 of 2556
Bottom 12.6% in <100M tier
2185
AMR Growth Rate
growth
Value:
-5.44%
Peer Median: -
#2185 of 2556
Bottom 14.6% in <100M tier
2148
Total Delinquency Rate (60+ days)
risk
Value:
2.58%
Peer Median: -
#2148 of 2556
Bottom 16.0% in <100M tier