LATAH
Charter #97102 | ID
100M-500M
(1077 CUs)
Micro
($0-$500M)
9 100M-500M in ID
LATAH has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 2.2% in tier
- + Organic Growth Engine: Top 3.0% in tier
- + Organic Growth Leader: Top 15.6% in tier
- + Relationship Depth Leader: Top 21.2% in tier
- + Wallet Share Momentum: Top 34.7% in tier
- + ROA 1.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Growth-at-Risk: Bottom 17.4% in tier
- - Credit Quality Pressure: Bottom 22.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,157
+2.6% YoY+0.7% QoQ
|
-7.5K |
15,628
-3.4% YoY
|
53,577
+7.1% YoY
|
33,089
+6.1% YoY
|
Bottom 17.0% in tier |
| Assets |
$163.0M
+2.3% YoY+0.9% QoQ
|
$-68.3M |
$231.3M
-0.0% YoY
|
$936.8M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
36th in tier |
| Loans |
$93.0M
+9.0% YoY+1.1% QoQ
|
$-54.8M |
$147.8M
-1.4% YoY
|
$777.6M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
30th in tier |
| Deposits |
$145.7M
+0.5% YoY+0.4% QoQ
|
$-54.6M |
$200.3M
-0.0% YoY
|
$812.6M
+12.3% YoY
|
$464.6M
+9.3% YoY
|
38th in tier |
| ROA |
1.8%
+9.6% YoY+4.2% QoQ
|
+1.0% |
0.8%
+15.5% YoY
|
0.6%
-15.0% YoY
|
0.7%
+273.4% YoY
|
Top 5.0% in tier |
| NIM |
3.6%
+4.4% YoY+1.4% QoQ
|
-0.0% |
3.6%
+6.9% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
48th in tier |
| Efficiency Ratio |
55.0%
-5.0% YoY-2.2% QoQ
|
-22.3% |
77.3%
-3.0% YoY
|
73.1%
-2.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.3% in tier |
| Delinquency Rate |
0.5%
+14.6% YoY+0.5% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
0.9%
-2.1% YoY
|
1.2%
-0.9% YoY
|
35th in tier |
| Loan To Share |
63.9%
+8.5% YoY+0.7% QoQ
|
-8.8% |
72.7%
-1.5% YoY
|
85.6%
-1.1% YoY
|
68.0%
-1.7% YoY
|
29th in tier |
| AMR |
$29,261
+1.0% YoY-0.0% QoQ
|
+$5K |
$24,363
+2.9% YoY
|
$24,176
+3.9% YoY
|
$19,418
+1.3% YoY
|
Top 18.8% in tier |
| CD Concentration |
17.5%
+21.0% YoY+3.0% QoQ
|
-6.9% |
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 (5)
Emerging Performer
growth
#42 of 627 • Top 2.2% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.83%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
2.58%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
Organic Growth Engine
growth
#55 of 603 • Top 3.0% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
2.58%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.83%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank improving
Organic Growth Leader
growth
#207 of 430 • Top 15.6% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
2.58%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank improving
Relationship Depth Leader
growth
#584 of 1006 • Top 21.2% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
1.05%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$4.1K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#957 of 1006 • Top 34.7% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
1.05%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (2)
Growth-at-Risk
risk
#262 of 446 • Bottom 17.4% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
9.03%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.06% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#561 of 736 • Bottom 22.6% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.06% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
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: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
47
Efficiency Ratio
profitability
Value:
54.96%
Peer Avg: 77.28%
#47 of 1077
Top 4.3% in 100M-500M tier
54
Return on Assets (ROA)
profitability
Value:
1.83%
Peer Avg: 0.79%
#54 of 1077
Top 4.9% in 100M-500M tier
112
Net Charge-Off Rate
risk
Value:
0.07%
Peer Avg: 0.47%
#112 of 1077
Top 10.3% in 100M-500M tier
198
Loan Growth Rate
growth
Value:
9.03%
Peer Avg: 3.45%
#198 of 1077
Top 18.3% in 100M-500M tier
203
Average Member Relationship (AMR)
engagement
Value:
$29,261
Peer Avg: $24,363
#203 of 1077
Top 18.8% in 100M-500M tier
254
Member Growth Rate
growth
Value:
2.58%
Peer Avg: 0.72%
#254 of 1077
Top 23.5% in 100M-500M tier
Top Weaknesses (3 metrics)
894
Total Members
engagement
Value:
8,157
Peer Avg: 15,628
#894 of 1077
Bottom 17.1% in 100M-500M tier
836
Deposit Growth Rate
growth
Value:
0.49%
Peer Avg: 4.69%
#836 of 1077
Bottom 22.5% in 100M-500M tier
833
Fee Income Per Member
profitability
Value:
$115.03
Peer Avg: $174.31
#833 of 1077
Bottom 22.7% in 100M-500M tier