BlastPoint's Credit Union Scorecard
ST JOE VALLEY
Charter #97066 · ID
ST JOE VALLEY has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.88% above tier average
- + Net Interest Margin 0.35% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 5.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,150
-1.5% YoY-1.7% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
54,272
+7.9% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$14.0M
+5.9% YoY+4.9% QoQ
|
$-16.2M |
$30.1M
+2.1% YoY
|
$970.0M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$6.2M
-4.0% YoY+0.9% QoQ
|
$-9.6M |
$15.8M
-1.3% YoY
|
$802.2M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$12.3M
+5.8% YoY+4.9% QoQ
|
$-13.3M |
$25.7M
+1.4% YoY
|
$828.5M
+12.5% YoY
|
$477.3M
+9.7% YoY
|
41% |
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| ROA |
1.5%
+5.9% YoY-0.5% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.8%
+25.2% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
4.3%
-1.5% YoY-1.7% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.7%
+5.8% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
67.2%
+1.3% YoY-1.1% QoQ
|
-15.4% |
82.6%
-2.3% YoY
|
73.6%
-4.6% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.4%
-10.2% YoY-53.2% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
0.9%
-20.4% YoY
|
1.3%
-2.1% YoY
|
36% |
| Loan To Share |
50.0%
-9.3% YoY-3.8% QoQ
|
-10.6% |
60.6%
-3.1% YoY
|
84.8%
-0.9% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$16,097
+3.9% YoY+5.3% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$24,417
+3.6% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
6.4%
-26.7% YoY+7.8% QoQ
|
-18.0% | 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)