BlastPoint's Credit Union Scorecard

LATAH

Charter #97102 · ID

100M-500M

1070 CUs in 100M-500M nationally 9 in ID

LATAH has 5 strengths but faces 3 concerns

National Analysis

How does the industry compare?

ID Analysis

How does ID stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.86% above tier average
+ Efficiency Ratio: Top 7.4% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	8,264 +3.1% YoY+0.9% QoQ	-6.9K	15,145 -2.5% YoY	55,090 +6.4% YoY	33,913 +5.7% YoY	20%
Assets	$169.2M +4.6% YoY+3.2% QoQ	$-62.5M	$231.7M +0.8% YoY	$983.6M +10.6% YoY	$578.3M +9.0% YoY	39%
Loans	$92.4M +3.8% YoY-1.4% QoQ	$-51.8M	$144.1M +0.2% YoY	$811.6M +10.9% YoY	$402.4M +8.7% YoY	32%
Deposits	$150.6M +3.0% YoY+2.9% QoQ	$-50.5M	$201.1M +0.4% YoY	$856.3M +10.5% YoY	$494.3M +9.1% YoY	41%

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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	1.6% -8.5% YoY-1.7% QoQ	+0.9%	0.7% +5.1% YoY	0.7% -6.6% YoY	0.4% -39.2% YoY	Top 8.9% in tier
NIM	3.4% -1.3% YoY-4.3% QoQ	-0.2%	3.6% +4.6% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	37%
Efficiency Ratio	59.0% +3.7% YoY+3.2% QoQ	-19.0%	78.0% -1.7% YoY	76.8% +3.1% YoY	84.6% +2.8% YoY	Top 7.4% in tier
Delinquency Rate	0.5% +6.9% YoY-16.4% QoQ	-0.3	0.8% +7.1% YoY	0.9% -16.7% YoY	1.2% +3.4% YoY	37%
Loan To Share	61.3% +0.7% YoY-4.2% QoQ	-9.1%	70.4% -0.4% YoY	83.5% -0.7% YoY	65.6% -1.4% YoY	29%
AMR	$29,405 +0.2% YoY+0.3% QoQ	+$4K	$24,918 +2.7% YoY	$24,684 +3.7% YoY	$19,920 +1.6% YoY	79%
CD Concentration	19.0% +13.2% YoY+0.5% QoQ	-5.2%	24.3%	27.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.8%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#23 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.08%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.59%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#41 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.59%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 3.08%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Organic Growth Leader

growth

#153 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.08%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (3)

Margin Compression

decline

#83 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.59%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.74%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.15% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Credit Quality Pressure

risk

#633 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Credit Risk Growth

risk

#427 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.76%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 59.03%

Peer Median: 78.68%

#80 of 1070 Top 7.4% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.59%

Peer Median: 0.69%

#95 of 1070 Top 8.8% in 100M-500M tier

176

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: 0.35%

#176 of 1070 Top 16.4% in 100M-500M tier

209

Member Growth Rate

growth

Value: 3.08%

Peer Median: -0.06%

#209 of 1070 Top 19.4% in 100M-500M tier

222

Average Member Relationship (AMR)

engagement

Value: $29,405

Peer Median: $22,931

#222 of 1070 Top 20.7% in 100M-500M tier

Top Weaknesses (2 metrics)

856

Total Members

engagement

Value: 8,264

Peer Median: 13,200

#856 of 1070 Bottom 20.1% in 100M-500M tier

839

AMR Growth Rate

growth

Value: 0.21%

Peer Median: 3.46%

#839 of 1070 Bottom 21.7% in 100M-500M tier