BlastPoint's Credit Union Scorecard
SNAKE RIVER
Charter #8749 · ID
SNAKE RIVER has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
- + Net Interest Margin 0.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,281
+0.7% YoY+0.3% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
54,272
+7.9% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$12.5M
+7.7% YoY+10.6% QoQ
|
$-17.6M |
$30.1M
+2.1% YoY
|
$970.0M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$10.4M
+6.8% YoY-0.0% QoQ
|
$-5.3M |
$15.8M
-1.3% YoY
|
$802.2M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$10.7M
+8.7% YoY+12.1% QoQ
|
$-15.0M |
$25.7M
+1.4% YoY
|
$828.5M
+12.5% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
0.7%
+234.5% YoY+41.6% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.8%
+25.2% YoY
|
0.7%
+15.9% YoY
|
51% |
| NIM |
4.2%
+4.5% YoY+2.4% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.7%
+5.8% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
82.2%
-4.4% YoY-1.7% QoQ
|
-0.3% |
82.6%
-2.3% YoY
|
73.6%
-4.6% YoY
|
79.7%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.5%
+103.8% YoY-8.2% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
0.9%
-20.4% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
97.9%
-1.7% YoY-10.8% QoQ
|
+37.3% |
60.6%
-3.1% YoY
|
84.8%
-0.9% YoY
|
67.4%
-1.7% YoY
|
Top 5.1% in tier |
| AMR |
$16,465
+7.0% YoY+5.4% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$24,417
+3.6% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
39.2%
-5.6% YoY-5.7% QoQ
|
+14.8% | 24.4% | 27.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.9% | 7.8% | 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)