BlastPoint's Credit Union Scorecard
LATAH
Charter #97102 · ID
LATAH has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 11.6% in tier
- + Emerging Performer: Top 27.6% in tier
- + Organic Growth Leader: Top 45.6% in tier
- + ROA 0.85% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 73.0% in tier
- - Credit Quality Pressure: Bottom 94.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,193
+2.8% YoY+0.4% QoQ
|
-7.2K |
15,437
-2.9% YoY
|
54,272
+7.9% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$164.0M
+2.4% YoY+0.6% QoQ
|
$-67.9M |
$231.9M
+1.3% YoY
|
$970.0M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$93.7M
+8.8% YoY+0.7% QoQ
|
$-53.6M |
$147.3M
-0.1% YoY
|
$802.2M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
31% |
| Deposits |
$146.4M
+0.5% YoY+0.5% QoQ
|
$-54.4M |
$200.8M
+0.8% YoY
|
$828.5M
+12.5% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
1.6%
-0.7% YoY-11.8% QoQ
|
+0.9% |
0.8%
+18.2% YoY
|
0.8%
+25.2% YoY
|
0.7%
+15.9% YoY
|
Top 8.0% in tier |
| NIM |
3.6%
+4.7% YoY+0.4% QoQ
|
-0.0% |
3.6%
+6.7% YoY
|
3.7%
+5.8% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
57.2%
-2.7% YoY+4.1% QoQ
|
-19.8% |
77.0%
-3.1% YoY
|
73.6%
-4.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.8% in tier |
| Delinquency Rate |
0.5%
+3.8% YoY+14.2% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
0.9%
-20.4% YoY
|
1.3%
-2.1% YoY
|
37% |
| Loan To Share |
64.0%
+8.2% YoY+0.2% QoQ
|
-8.2% |
72.2%
-1.1% YoY
|
84.8%
-0.9% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$29,304
+0.8% YoY+0.1% QoQ
|
+$5K |
$24,676
+3.4% YoY
|
$24,417
+3.6% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
18.9%
+22.1% YoY+8.4% QoQ
|
-5.5% | 24.4% | 27.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.9% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)