BlastPoint's Credit Union Scorecard

ST JOE VALLEY

Charter #97066 · ID

<100M

2508 CUs in <100M nationally 9 in ID

ST JOE VALLEY has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

ID Analysis

How does ID stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.35% above tier average
+ Net Interest Margin 0.36% above tier average

Key Concerns

Areas that may need attention

- First Mortgage Concentration (%): Bottom 5.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	1,135 -0.4% YoY-1.3% QoQ	-1.5K	2,676 +1.6% YoY	55,090 +6.4% YoY	33,913 +5.7% YoY	32%
Assets	$13.9M +6.2% YoY-0.6% QoQ	$-16.3M	$30.2M +1.3% YoY	$983.6M +10.6% YoY	$578.3M +9.0% YoY	39%
Loans	$6.4M +0.6% YoY+4.4% QoQ	$-8.8M	$15.3M -2.0% YoY	$811.6M +10.9% YoY	$402.4M +8.7% YoY	40%
Deposits	$12.2M +5.7% YoY-0.8% QoQ	$-13.5M	$25.8M +0.7% YoY	$856.3M +10.5% YoY	$494.3M +9.1% YoY	40%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.5% +32.5% YoY-0.3% QoQ	+1.4%	0.1% -77.6% YoY	0.7% -6.6% YoY	0.4% -39.2% YoY	85%
NIM	4.4% +4.4% YoY+1.5% QoQ	+0.4%	4.0% +4.0% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	72%
Efficiency Ratio	68.5% -8.9% YoY+2.0% QoQ	-22.2%	90.6% +6.5% YoY	76.8% +3.1% YoY	84.6% +2.8% YoY	23%
Delinquency Rate	0.4% -13.1% YoY+12.4% QoQ	-1.1	1.5% +3.8% YoY	0.9% -16.7% YoY	1.2% +3.4% YoY	41%
Loan To Share	52.6% -4.8% YoY+5.3% QoQ	-5.9%	58.5% -3.0% YoY	83.5% -0.7% YoY	65.6% -1.4% YoY	41%
AMR	$16,465 +4.4% YoY+2.3% QoQ	+$2K	$14,884 -1.7% YoY	$24,684 +3.7% YoY	$19,920 +1.6% YoY	63%
CD Concentration	6.9% -17.1% YoY+8.4% QoQ	-17.3%	24.3%	27.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.8%	7.7%	50%

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

383

Return on Assets (ROA)

profitability

Value: 1.50%

Peer Median: 0.61%

#383 of 2508 Top 15.2% in <100M tier

458

Asset Growth Rate

growth

Value: 6.23%

Peer Median: 1.30%

#458 of 2508 Top 18.2% in <100M tier

513

Deposit Growth Rate

growth

Value: 5.72%

Peer Median: 0.66%

#513 of 2508 Top 20.4% in <100M tier

585

Efficiency Ratio

profitability

Value: 68.48%

Peer Median: 81.45%

#585 of 2508 Top 23.3% in <100M tier

Top Weaknesses (2 metrics)

2368

First Mortgage Concentration (%)

balance_sheet

Value: 56.39%

Peer Median: 3.66%

#2368 of 2508 Bottom 5.6% in <100M tier

2242

Members Per Employee (MPE)

engagement

Value: 162.143

Peer Median: 333.750

#2242 of 2508 Bottom 10.6% in <100M tier