SNAKE RIVER
Charter #8749 | ID
<100M
(2596 CUs)
Micro
($0-$500M)
9 <100M in ID
SNAKE RIVER has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.13% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Efficiency ratio 2.27% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 6.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,277
-0.4% YoY+0.6% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
53,577
+7.1% YoY
|
33,089
+6.1% YoY
|
35th in tier |
| Assets |
$11.4M
-0.3% YoY-11.4% QoQ
|
$-18.5M |
$29.9M
+1.1% YoY
|
$936.8M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
35th in tier |
| Loans |
$10.4M
+8.6% YoY+1.8% QoQ
|
$-5.3M |
$15.8M
-2.4% YoY
|
$777.6M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
52nd in tier |
| Deposits |
$9.5M
-0.2% YoY-13.6% QoQ
|
$-15.9M |
$25.5M
+0.4% YoY
|
$812.6M
+12.3% YoY
|
$464.6M
+9.3% YoY
|
36th in tier |
| ROA |
0.5%
+17.1% YoY+174.3% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.6%
-15.0% YoY
|
0.7%
+273.4% YoY
|
36th in tier |
| NIM |
4.1%
+3.3% YoY+10.1% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
57th in tier |
| Efficiency Ratio |
83.7%
-1.0% YoY-5.1% QoQ
|
+2.3% |
81.4%
-2.4% YoY
|
73.1%
-2.3% YoY
|
79.1%
-3.3% YoY
|
64th in tier |
| Delinquency Rate |
0.5%
-15.9% YoY+36.1% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
0.9%
-2.1% YoY
|
1.2%
-0.9% YoY
|
42nd in tier |
| Loan To Share |
109.8%
+8.9% YoY+17.8% QoQ
|
+48.6% |
61.2%
-3.0% YoY
|
85.6%
-1.1% YoY
|
68.0%
-1.7% YoY
|
Top 1.7% in tier |
| AMR |
$15,620
+4.6% YoY-6.8% QoQ
|
+$993 |
$14,627
-2.7% YoY
|
$24,176
+3.9% YoY
|
$19,418
+1.3% YoY
|
61st in tier |
| CD Concentration |
41.6%
-0.3% YoY+0.2% QoQ
|
+17.2% |
24.4%
+4.2% YoY
|
27.1%
+1.8% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
12.1%
-5.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
41
Loan-to-Share Ratio
balance_sheet
Value:
109.81%
Peer Avg: 61.23%
#41 of 2596
Top 1.5% in <100M tier
335
Loan Growth Rate
growth
Value:
8.65%
Peer Avg: 59.01%
#335 of 2596
Top 12.9% in <100M tier
442
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,175
Peer Avg: $5,488
#442 of 2596
Top 17.0% in <100M tier
606
Fee Income Per Member
profitability
Value:
$122.17
Peer Avg: $182.96
#606 of 2596
Top 23.3% in <100M tier
641
Members Per Employee (MPE)
engagement
Value:
425.667
Peer Avg: 365.701
#641 of 2596
Top 24.7% in <100M tier
Top Weaknesses (1 metrics)
2433
Share Certificate Concentration (%)
balance_sheet
Value:
41.61%
Peer Avg: 15.37%
#2433 of 2596
Bottom 6.3% in <100M tier