BlastPoint's Credit Union Scorecard
SNAKE RIVER
Charter #8749 · ID
SNAKE RIVER has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.46% above tier average
- + Loan-to-Share Ratio: Top 1.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - Share Certificate Concentration (%): Bottom 6.7% in tier
- - Deposit Growth Rate: Bottom 8.6% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 5 that size in Idaho.
- Shares and deposits -9.1% year over year ($10.0M in shares and deposits).
- Membership: 1,274 members, +0.4% vs a year ago.
- Delinquency rate 0.15%.
- Return on assets 0.79%.
- Efficiency ratio 81.41% vs a 88.77% peer average.
- Loan-to-share ratio 108.55% vs a 58.89% 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 |
1,274
+0.4% YoY+0.1% QoQ
|
-1.3K |
2,585
-1.7% YoY
|
72,350
+37.4% YoY
|
34,678
+6.6% YoY
|
36% |
| Assets |
$12.0M
-6.6% YoY+0.8% QoQ
|
$-18.3M |
$30.3M
+1.5% YoY
|
$1.3B
+42.1% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$10.9M
+5.8% YoY+2.7% QoQ
|
$-4.6M |
$15.5M
-1.7% YoY
|
$1.1B
+44.8% YoY
|
$418.6M
+10.1% YoY
|
54% |
| Deposits |
$10.0M
-9.1% YoY+0.6% QoQ
|
$-15.8M |
$25.8M
+1.1% YoY
|
$1.1B
+40.5% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
0.8%
+337.3% YoY-19.5% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
0.8%
-11.7% YoY
|
1.2%
+121.4% YoY
|
49% |
| NIM |
4.4%
+18.3% YoY+1.3% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.6%
+0.7% YoY
|
3.8%
+2.3% YoY
|
71% |
| Efficiency Ratio |
81.4%
-7.7% YoY+0.1% QoQ
|
-7.4% |
88.8%
-6.9% YoY
|
77.8%
+6.1% YoY
|
83.0%
-5.3% YoY
|
52% |
| Delinquency Rate |
0.2%
-59.8% YoY-56.3% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
0.7%
-36.1% YoY
|
1.3%
+2.6% YoY
|
23% |
| Loan To Share |
108.6%
+16.5% YoY+2.1% QoQ
|
+49.7% |
58.9%
-3.1% YoY
|
87.8%
+3.1% YoY
|
66.4%
-1.4% YoY
|
Top 1.6% in tier |
| AMR |
$16,370
-2.3% YoY+1.6% QoQ
|
+$1K |
$14,963
-6.8% YoY
|
$26,672
+11.3% YoY
|
$20,028
-0.9% YoY
|
62% |
| CD Concentration |
41.8%
+0.7% YoY+2.2% QoQ
|
+17.3% | 24.6% | 31.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 14.2% | 7.7% | 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)