BlastPoint's Credit Union Scorecard
MINI-CASSIA EMPL.
Charter #82527 · ID
2596 CUs in <100M nationally
9 in ID
MINI-CASSIA EMPL. has 6 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.21% 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 4.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Efficiency ratio 2.41% above tier (higher cost structure)
- - Delinquency rate 5.47% above tier average
- - Total Assets: Bottom 3.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.7% in tier
- - Total Deposits: Bottom 3.8% in tier
- - Average Member Relationship (AMR): Bottom 4.1% in tier
- - Fee Income Per Member: Bottom 6.3% in tier
- - Total Loans: Bottom 6.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.5% in tier
- - Total Members: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
339
-1.2% YoY+0.6% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
53,577
+7.1% YoY
|
33,089
+6.1% YoY
|
Bottom 9.1% in tier |
| Assets |
$535,609
+1.3% YoY+4.9% QoQ
|
$-29.3M |
$29.9M
+1.1% YoY
|
$936.8M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.4% in tier |
| Loans |
$439,379
-14.0% YoY+12.6% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$777.6M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.8% in tier |
| Deposits |
$445,587
+1.2% YoY+5.9% QoQ
|
$-25.0M |
$25.5M
+0.4% YoY
|
$812.6M
+12.3% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.8% in tier |
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| ROA |
0.2%
-63.8% YoY-25.0% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.6%
-15.0% YoY
|
0.7%
+273.4% YoY
|
23% |
| NIM |
4.1%
-11.5% YoY-2.4% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
83.8%
+14.5% YoY-2.1% QoQ
|
+2.4% |
81.4%
-2.4% YoY
|
73.1%
-2.3% YoY
|
79.1%
-3.3% YoY
|
64% |
| Delinquency Rate |
7.0%
+144.4% YoY-3.9% QoQ
|
+5.5 |
1.5%
-2.0% YoY
|
0.9%
-2.1% YoY
|
1.2%
-0.9% YoY
|
Top 3.7% in tier |
| Loan To Share |
98.6%
-15.0% YoY+6.3% QoQ
|
+37.4% |
61.2%
-3.0% YoY
|
85.6%
-1.1% YoY
|
68.0%
-1.7% YoY
|
Top 5.0% in tier |
| AMR |
$2,611
-5.9% YoY+8.5% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$24,176
+3.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.0% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
27.1%
+1.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.1%
-5.5% YoY
|
7.9%
-2.9% YoY
|
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
127
Loan-to-Share Ratio
balance_sheet
Value:
98.61%
Peer Avg: -
#127 of 2596
Top 4.9% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (11 metrics)
2509
Total Assets
balance_sheet
Value:
$535,609
Peer Avg: -
#2509 of 2596
Bottom 3.4% in <100M tier
2501
Total Delinquency Rate (60+ days)
risk
Value:
6.98%
Peer Avg: -
#2501 of 2596
Bottom 3.7% in <100M tier
2498
Total Deposits
balance_sheet
Value:
$445,587
Peer Avg: -
#2498 of 2596
Bottom 3.8% in <100M tier
2491
Average Member Relationship (AMR)
engagement
Value:
$2,611
Peer Avg: -
#2491 of 2596
Bottom 4.1% in <100M tier
2433
Fee Income Per Member
profitability
Value:
$0.49
Peer Avg: -
#2433 of 2596
Bottom 6.3% in <100M tier
2420
Total Loans
balance_sheet
Value:
$439,379
Peer Avg: -
#2420 of 2596
Bottom 6.8% in <100M tier
2403
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,296
Peer Avg: -
#2403 of 2596
Bottom 7.5% in <100M tier
2359
Total Members
engagement
Value:
339
Peer Avg: -
#2359 of 2596
Bottom 9.2% in <100M tier
2268
Loan Growth Rate
growth
Value:
-14.02%
Peer Avg: -
#2268 of 2596
Bottom 12.7% in <100M tier
2204
AMR Growth Rate
growth
Value:
-5.89%
Peer Avg: -
#2204 of 2596
Bottom 15.1% in <100M tier