BlastPoint's Credit Union Scorecard

ADVANTAGE PLUS

Charter #8428 · ID

100M-500M

1024 CUs in 100M-500M nationally 7 in ID

ADVANTAGE PLUS has 5 strengths but faces 6 concerns

National Analysis

How does the industry compare?

ID Analysis

How does ID stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.09% above tier average
+ Fee Income Per Member: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 0.39% below tier average
- Efficiency ratio 13.01% above tier (higher cost structure)

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 7 that size in Idaho.
Shares and deposits +8.2% year over year ($264M in shares and deposits).
Membership: 21,799 members, +2.0% vs a year ago.
Delinquency rate 0.36%.
Return on assets 0.47%.
Efficiency ratio 89.74% vs a 76.73% peer average.
Loan-to-share ratio 91.61% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	21,799 +2.0% YoY+1.4% QoQ	+6.6K	15,168 -2.6% YoY	72,350 +37.4% YoY	34,678 +6.6% YoY	82%
Assets	$292.4M +7.4% YoY+1.0% QoQ	+$60.4M	$232.0M +0.7% YoY	$1.3B +42.1% YoY	$593.1M +10.2% YoY	72%
Loans	$241.6M +9.3% YoY+2.2% QoQ	+$95.3M	$146.3M +0.2% YoY	$1.1B +44.8% YoY	$418.6M +10.1% YoY	Top 14.8% in tier
Deposits	$263.7M +8.2% YoY+1.1% QoQ	+$63.0M	$200.7M +0.2% YoY	$1.1B +40.5% YoY	$504.8M +10.3% YoY	74%

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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	0.5% -57.1% YoY-18.0% QoQ	-0.4%	0.9% +12.5% YoY	0.8% -11.7% YoY	1.2% +121.4% YoY	26%
NIM	3.8% +2.6% YoY+2.0% QoQ	+0.1%	3.7% +4.5% YoY	3.6% +0.7% YoY	3.8% +2.3% YoY	57%
Efficiency Ratio	89.7% +11.9% YoY+3.2% QoQ	+13.0%	76.7% -0.8% YoY	77.8% +6.1% YoY	83.0% -5.3% YoY	Bottom 11.8% in tier
Delinquency Rate	0.4% +61.7% YoY+43.4% QoQ	-0.5	0.9% +6.6% YoY	0.7% -36.1% YoY	1.3% +2.6% YoY	24%
Loan To Share	91.6% +1.0% YoY+1.1% QoQ	+20.1%	71.5% -0.3% YoY	87.8% +3.1% YoY	66.4% -1.4% YoY	Top 11.7% in tier
AMR	$23,180 +6.6% YoY+0.2% QoQ	$-2K	$25,107 +3.2% YoY	$26,672 +11.3% YoY	$20,028 -0.9% YoY	51%
CD Concentration	35.9% +5.2% YoY+3.4% QoQ	+11.4%	24.6%	31.4%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	14.2%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#204 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.05%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Wallet Share Momentum

growth

#332 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.56%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Organic Growth Engine

growth

#276 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.05%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.47%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Concerns (4)

Credit Risk Growth

risk

#160 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.29%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.14% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Efficiency Drag

risk

#238 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 89.74%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.63% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 2.05%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Quality Pressure

risk

#426 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.14% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Liquidity Strain

risk

#154 of 224 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.61%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 9.29%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $268.48

Peer Median: $159.88

#83 of 1024 Top 8.0% in 100M-500M tier

120

Net Charge-Off Rate

risk

Value: 0.06%

Peer Median: 0.34%

#120 of 1024 Top 11.6% in 100M-500M tier

120

Loan-to-Share Ratio

balance_sheet

Value: 91.61%

Peer Median: 73.07%

#120 of 1024 Top 11.6% in 100M-500M tier

152

Deposit Growth Rate

growth

Value: 8.23%

Peer Median: 3.58%

#152 of 1024 Top 14.7% in 100M-500M tier

152

Total Loans

balance_sheet

Value: $241.59M

Peer Median: $124.04M

#152 of 1024 Top 14.7% in 100M-500M tier

182

Total Members

engagement

Value: 21,799

Peer Median: 13,128

#182 of 1024 Top 17.7% in 100M-500M tier

187

Loan Growth Rate

growth

Value: 9.29%

Peer Median: 3.02%

#187 of 1024 Top 18.2% in 100M-500M tier

213

Asset Growth Rate

growth

Value: 7.45%

Peer Median: 4.12%

#213 of 1024 Top 20.7% in 100M-500M tier

247

Total Delinquency Rate (60+ days)

risk

Value: 0.36%

Peer Median: 0.71%

#247 of 1024 Top 24.0% in 100M-500M tier

Top Weaknesses (5 metrics)

922

First Mortgage Concentration (%)

balance_sheet

Value: 54.29%

Peer Median: 29.92%

#922 of 1024 Bottom 10.1% in 100M-500M tier

904

Efficiency Ratio

profitability

Value: 89.74%

Peer Median: 77.26%

#904 of 1024 Bottom 11.8% in 100M-500M tier

899

Members Per Employee (MPE)

engagement

Value: 229.463

Peer Median: 310.924

#899 of 1024 Bottom 12.3% in 100M-500M tier

886

Share Certificate Concentration (%)

balance_sheet

Value: 35.91%

Peer Median: 23.39%

#886 of 1024 Bottom 13.6% in 100M-500M tier

815

Net Worth Ratio

risk

Value: 9.65%

Peer Median: 11.71%

#815 of 1024 Bottom 20.5% in 100M-500M tier