BlastPoint's Credit Union Scorecard
ADVANTAGE PLUS
Charter #8428 · ID
ADVANTAGE PLUS has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 22.6% in tier
- + Organic Growth Leader: Top 28.5% in tier
- + Wallet Share Momentum: Top 97.7% in tier
- + ROA 0.23% above tier average
- + Net Interest Margin 0.20% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 8.5% in tier
- + Loan-to-Share Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 12.5% in tier
- - Liquidity Strain: Bottom 15.1% in tier
- - Efficiency ratio 4.40% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,409
+0.9% YoY+0.2% QoQ
|
+5.8K |
15,628
-3.4% YoY
|
53,577
+7.1% YoY
|
33,089
+6.1% YoY
|
79% |
| Assets |
$270.9M
+3.5% YoY-0.4% QoQ
|
+$39.6M |
$231.3M
-0.0% YoY
|
$936.8M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
68% |
| Loans |
$226.4M
+9.5% YoY+2.4% QoQ
|
+$78.6M |
$147.8M
-1.4% YoY
|
$777.6M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
81% |
| Deposits |
$242.3M
+3.1% YoY-0.6% QoQ
|
+$42.0M |
$200.3M
-0.0% YoY
|
$812.6M
+12.3% YoY
|
$464.6M
+9.3% YoY
|
70% |
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| ROA |
1.0%
+4.9% YoY-7.0% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.6%
-15.0% YoY
|
0.7%
+273.4% YoY
|
67% |
| NIM |
3.8%
+4.2% YoY+2.8% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
81.7%
+2.2% YoY+1.9% QoQ
|
+4.4% |
77.3%
-3.0% YoY
|
73.1%
-2.3% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.4%
-36.0% YoY+98.0% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
0.9%
-2.1% YoY
|
1.2%
-0.9% YoY
|
32% |
| Loan To Share |
93.4%
+6.2% YoY+3.0% QoQ
|
+20.7% |
72.7%
-1.5% YoY
|
85.6%
-1.1% YoY
|
68.0%
-1.7% YoY
|
Top 10.0% in tier |
| AMR |
$21,893
+5.1% YoY+0.6% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$24,176
+3.9% YoY
|
$19,418
+1.3% YoY
|
46% |
| CD Concentration |
33.0%
+0.6% YoY-3.5% QoQ
|
+8.6% |
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 (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)