BlastPoint's Credit Union Scorecard
PIONEER
Charter #9247 · ID
PIONEER has 2 strengths but faces 5 concerns
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How does ID stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 1.8% in tier
- + Total Assets: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 17.1% in tier
- - Membership Headwinds: Bottom 20.5% in tier
- - Indirect Auto Dependency: Bottom 20.8% in tier
- - ROA 0.02% below tier average
- - Delinquency rate 0.70% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,760
-1.9% YoY-0.8% QoQ
|
+9.0K |
39,752
-2.7% YoY
|
53,577
+7.1% YoY
|
33,089
+6.1% YoY
|
82% |
| Assets |
$736.1M
+4.0% YoY+1.2% QoQ
|
+$113.7M |
$622.4M
+0.3% YoY
|
$936.8M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
Top 7.1% in tier |
| Loans |
$513.6M
+2.0% YoY-1.7% QoQ
|
+$77.7M |
$435.9M
-0.4% YoY
|
$777.6M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
78% |
| Deposits |
$656.3M
+2.1% YoY+1.3% QoQ
|
+$118.3M |
$538.0M
+1.3% YoY
|
$812.6M
+12.3% YoY
|
$464.6M
+9.3% YoY
|
Top 2.4% in tier |
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| ROA |
0.6%
+31.3% YoY+19.5% QoQ
|
-0.0% |
0.7%
+33.9% YoY
|
0.6%
-15.0% YoY
|
0.7%
+273.4% YoY
|
53% |
| NIM |
3.0%
+7.9% YoY-0.5% QoQ
|
-0.4% |
3.4%
+8.6% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
24% |
| Efficiency Ratio |
78.0%
-1.4% YoY-1.1% QoQ
|
-0.1% |
78.1%
-3.4% YoY
|
73.1%
-2.3% YoY
|
79.1%
-3.3% YoY
|
47% |
| Delinquency Rate |
1.5%
-10.0% YoY-0.9% QoQ
|
+0.7 |
0.8%
-4.9% YoY
|
0.9%
-2.1% YoY
|
1.2%
-0.9% YoY
|
Top 13.0% in tier |
| Loan To Share |
78.3%
-0.1% YoY-3.0% QoQ
|
-2.8% |
81.0%
-1.8% YoY
|
85.6%
-1.1% YoY
|
68.0%
-1.7% YoY
|
35% |
| AMR |
$23,994
+4.0% YoY+0.7% QoQ
|
$-2K |
$26,482
+2.6% YoY
|
$24,176
+3.9% YoY
|
$19,418
+1.3% YoY
|
45% |
| CD Concentration |
29.5%
-4.6% YoY-2.6% QoQ
|
+5.0% |
24.4%
+4.2% YoY
|
27.1%
+1.8% YoY
|
19.6%
+6.2% YoY
|
69% |
| Indirect Auto % |
19.8%
-33.7% YoY-8.5% QoQ
|
+5.8% |
14.0%
-5.7% YoY
|
12.1%
-5.5% YoY
|
7.9%
-2.9% YoY
|
70% |
Signature Analysis
Strengths (0)
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)