BlastPoint's Credit Union Scorecard

ADVANTAGE PLUS

Charter #8428 · ID

100M-500M

1070 CUs in 100M-500M nationally 9 in ID

ADVANTAGE PLUS has 5 strengths but faces 5 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.07% above tier average
+ Fee Income Per Member: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 0.15% below tier average
- Efficiency ratio 8.89% above tier (higher cost structure)
- First Mortgage Concentration (%): 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	21,494 +1.0% YoY+0.4% QoQ	+6.3K	15,145 -2.5% YoY	55,090 +6.4% YoY	33,913 +5.7% YoY	81%
Assets	$289.5M +7.5% YoY+3.2% QoQ	+$57.8M	$231.7M +0.8% YoY	$983.6M +10.6% YoY	$578.3M +9.0% YoY	72%
Loans	$236.3M +10.1% YoY+2.9% QoQ	+$92.2M	$144.1M +0.2% YoY	$811.6M +10.9% YoY	$402.4M +8.7% YoY	84%
Deposits	$260.8M +7.7% YoY+4.0% QoQ	+$59.7M	$201.1M +0.4% YoY	$856.3M +10.5% YoY	$494.3M +9.1% YoY	73%

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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% -54.9% YoY-24.0% QoQ	-0.2%	0.7% +5.1% YoY	0.7% -6.6% YoY	0.4% -39.2% YoY	41%
NIM	3.7% +1.5% YoY-2.0% QoQ	+0.1%	3.6% +4.6% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	56%
Efficiency Ratio	86.9% +13.3% YoY+1.5% QoQ	+8.9%	78.0% -1.7% YoY	76.8% +3.1% YoY	84.6% +2.8% YoY	77%
Delinquency Rate	0.3% -22.4% YoY-51.2% QoQ	-0.5	0.8% +7.1% YoY	0.9% -16.7% YoY	1.2% +3.4% YoY	18%
Loan To Share	90.6% +2.3% YoY-1.1% QoQ	+20.2%	70.4% -0.4% YoY	83.5% -0.7% YoY	65.6% -1.4% YoY	Top 10.9% in tier
AMR	$23,131 +7.8% YoY+3.0% QoQ	$-2K	$24,918 +2.7% YoY	$24,684 +3.7% YoY	$19,920 +1.6% YoY	51%
CD Concentration	34.7% +2.6% YoY+2.5% QoQ	+10.5%	24.3%	27.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.8%	7.7%	50%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#220 of 491 • 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): 7.76%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Organic Growth Leader

growth

#312 of 371 • 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): 1.01%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#298 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.01%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.57%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (2)

Efficiency Drag

risk

#320 of 596 • 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: 86.92%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.70% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 1.01%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Liquidity Strain

risk

#137 of 183 • 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: 90.61%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 10.15%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $262.52

Peer Median: $154.95

#95 of 1070 Top 8.8% in 100M-500M tier

117

Loan-to-Share Ratio

balance_sheet

Value: 90.61%

Peer Median: 71.88%

#117 of 1070 Top 10.8% in 100M-500M tier

169

Total Loans

balance_sheet

Value: $236.34M

Peer Median: $121.41M

#169 of 1070 Top 15.7% in 100M-500M tier

171

AMR Growth Rate

growth

Value: 7.76%

Peer Median: 3.46%

#171 of 1070 Top 15.9% in 100M-500M tier

173

Loan Growth Rate

growth

Value: 10.15%

Peer Median: 2.93%

#173 of 1070 Top 16.1% in 100M-500M tier

194

Total Delinquency Rate (60+ days)

risk

Value: 0.25%

Peer Median: 0.61%

#194 of 1070 Top 18.0% in 100M-500M tier

195

Deposit Growth Rate

growth

Value: 7.70%

Peer Median: 3.30%

#195 of 1070 Top 18.1% in 100M-500M tier

202

Total Members

engagement

Value: 21,494

Peer Median: 13,200

#202 of 1070 Top 18.8% in 100M-500M tier

230

Asset Growth Rate

growth

Value: 7.49%

Peer Median: 3.91%

#230 of 1070 Top 21.4% in 100M-500M tier

Top Weaknesses (5 metrics)

966

First Mortgage Concentration (%)

balance_sheet

Value: 54.22%

Peer Median: 29.47%

#966 of 1070 Bottom 9.8% in 100M-500M tier

955

Members Per Employee (MPE)

engagement

Value: 228.660

Peer Median: 309.176

#955 of 1070 Bottom 10.8% in 100M-500M tier

914

Share Certificate Concentration (%)

balance_sheet

Value: 34.73%

Peer Median: 23.10%

#914 of 1070 Bottom 14.7% in 100M-500M tier

829

Efficiency Ratio

profitability

Value: 86.92%

Peer Median: 78.68%

#829 of 1070 Bottom 22.6% in 100M-500M tier

821

Net Worth Ratio

risk

Value: 9.65%

Peer Median: 11.45%

#821 of 1070 Bottom 23.4% in 100M-500M tier