BlastPoint's Credit Union Scorecard
MINI-CASSIA EMPL.
Charter #82527 · ID
MINI-CASSIA EMPL. faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.64% above tier (higher cost structure)
- - Delinquency rate 1.27% above tier average
- - Total Assets: Bottom 3.3% in tier
- - Average Member Relationship (AMR): Bottom 3.5% in tier
- - Total Deposits: Bottom 3.6% in tier
- - Fee Income Per Member: Bottom 5.5% in tier
- - Total Loans: Bottom 6.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
337
0% YoY-1.2% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
55,090
+6.4% YoY
|
33,913
+5.7% YoY
|
Bottom 8.9% in tier |
| Assets |
$531,932
+3.6% YoY+0.7% QoQ
|
$-29.7M |
$30.2M
+1.3% YoY
|
$983.6M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.2% in tier |
| Loans |
$372,889
-11.7% YoY-9.2% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$811.6M
+10.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.1% in tier |
| Deposits |
$441,906
+4.2% YoY+0.9% QoQ
|
$-25.3M |
$25.8M
+0.7% YoY
|
$856.3M
+10.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.5% in tier |
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| ROA |
0.1%
-25.8% YoY-0.8% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.7%
-6.6% YoY
|
0.4%
-39.2% YoY
|
27% |
| NIM |
3.8%
-18.7% YoY-5.1% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
50% |
| Efficiency Ratio |
96.3%
+21.3% YoY+13.4% QoQ
|
+5.6% |
90.6%
+6.5% YoY
|
76.8%
+3.1% YoY
|
84.6%
+2.8% YoY
|
80% |
| Delinquency Rate |
2.8%
-60.2% YoY+7.4% QoQ
|
+1.3 |
1.5%
+3.8% YoY
|
0.9%
-16.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.6% in tier |
| Loan To Share |
84.4%
-15.2% YoY-10.0% QoQ
|
+25.9% |
58.5%
-3.0% YoY
|
83.5%
-0.7% YoY
|
65.6%
-1.4% YoY
|
Top 13.5% in tier |
| AMR |
$2,418
-3.7% YoY-2.8% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$24,684
+3.7% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.5% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 27.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)