BlastPoint's Credit Union Scorecard

ADVANTAGE PLUS

Charter #8428 · ID

1069 CUs in 100M-500M nationally 9 in ID

ADVANTAGE PLUS has 6 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

+ Wallet Share Momentum: Top 69.5% in tier
+ Organic Growth Engine: Top 70.9% in tier
+ Organic Growth Leader: Top 85.9% in tier
+ Net Interest Margin 0.18% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Fee Income Per Member: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 9.5% in tier
- Credit Risk Growth: Bottom 39.3% in tier
- Credit Quality Pressure: Bottom 58.2% in tier
- Liquidity Strain: Bottom 67.0% in tier
- ROA 0.01% below tier average
- Efficiency ratio 8.62% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	21,400 +1.0% YoY-0.0% QoQ	+6.0K	15,437 -2.9% YoY	54,272 +7.9% YoY	33,374 +5.7% YoY	80%
Assets	$280.6M +7.3% YoY+3.6% QoQ	+$48.8M	$231.9M +1.3% YoY	$970.0M +13.3% YoY	$561.6M +9.7% YoY	70%
Loans	$229.7M +8.8% YoY+1.4% QoQ	+$82.3M	$147.3M -0.1% YoY	$802.2M +13.5% YoY	$397.0M +8.8% YoY	82%
Deposits	$250.7M +6.8% YoY+3.5% QoQ	+$49.9M	$200.8M +0.8% YoY	$828.5M +12.5% YoY	$477.3M +9.7% YoY	71%

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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	0.8% -2.8% YoY-25.9% QoQ	-0.0%	0.8% +18.2% YoY	0.8% +25.2% YoY	0.7% +15.9% YoY	50%
NIM	3.8% +2.9% YoY-0.1% QoQ	+0.2%	3.6% +6.7% YoY	3.7% +5.8% YoY	3.8% +5.1% YoY	60%
Efficiency Ratio	85.6% +2.2% YoY+4.8% QoQ	+8.6%	77.0% -3.1% YoY	73.6% -4.6% YoY	79.7% -3.3% YoY	80%
Delinquency Rate	0.5% +46.4% YoY+16.6% QoQ	-0.4	0.9% +4.2% YoY	0.9% -20.4% YoY	1.3% -2.1% YoY	34%
Loan To Share	91.6% +1.9% YoY-2.0% QoQ	+19.4%	72.2% -1.1% YoY	84.8% -0.9% YoY	67.4% -1.7% YoY	Top 10.9% in tier
AMR	$22,447 +6.7% YoY+2.5% QoQ	$-2K	$24,676 +3.4% YoY	$24,417 +3.6% YoY	$19,687 +2.0% YoY	49%
CD Concentration	33.9% +1.4% YoY+2.7% QoQ	+9.4%	24.4%	27.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.9%	7.8%	50%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#357 of 513 • Top 69.5% in tier

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

Why This Signature

AMR Growth (YoY): 6.66%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Organic Growth Engine

growth

#422 of 595 • Top 70.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.01%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.76%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#366 of 426 • Top 85.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.01%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (4)

Efficiency Drag

risk

#52 of 538 • Bottom 9.5% in tier

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

Why This Signature

Efficiency Ratio: 85.64%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.02% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 1.01%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Risk Growth

risk

#180 of 456 • Bottom 39.3% in tier

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

Why This Signature

Loan Growth (YoY): 8.78%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.16% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#411 of 705 • Bottom 58.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.16% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Liquidity Strain

risk

#153 of 228 • Bottom 67.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.60%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 8.78%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 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 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Fee Income Per Member

profitability

Value: $269.21

Peer Median: -

#99 of 1069 Top 9.2% in 100M-500M tier

117

Loan-to-Share Ratio

balance_sheet

Value: 91.60%

Peer Median: -

#117 of 1069 Top 10.9% in 100M-500M tier

167

Net Charge-Off Rate

risk

Value: 0.11%

Peer Median: -

#167 of 1069 Top 15.5% in 100M-500M tier

190

Total Loans

balance_sheet

Value: $229.66M

Peer Median: -

#190 of 1069 Top 17.7% in 100M-500M tier

216

Total Members

engagement

Value: 21,400

Peer Median: -

#216 of 1069 Top 20.1% in 100M-500M tier

222

Loan Growth Rate

growth

Value: 8.78%

Peer Median: -

#222 of 1069 Top 20.7% in 100M-500M tier

Top Weaknesses (5 metrics)

958

First Mortgage Concentration (%)

balance_sheet

Value: 53.50%

Peer Median: -

#958 of 1069 Bottom 10.5% in 100M-500M tier

955

Members Per Employee (MPE)

engagement

Value: 227.660

Peer Median: -

#955 of 1069 Bottom 10.8% in 100M-500M tier

877

Share Certificate Concentration (%)

balance_sheet

Value: 33.87%

Peer Median: -

#877 of 1069 Bottom 18.1% in 100M-500M tier

852

Efficiency Ratio

profitability

Value: 85.64%

Peer Median: -

#852 of 1069 Bottom 20.4% in 100M-500M tier

809

Net Worth Ratio

risk

Value: 9.81%

Peer Median: -

#809 of 1069 Bottom 24.4% in 100M-500M tier