BlastPoint's Credit Union Scorecard
UTAH COMMUNITY
Charter #10709 · UT
UTAH COMMUNITY has 8 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does UT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 4.1% in tier
- + Organic Growth Leader: Top 13.5% in tier
- + Wallet Share Momentum: Top 71.3% in tier
- + ROA 0.38% above tier average
- + Strong member growth: 8.9% YoY
- + Asset Growth Rate: Top 7.9% in tier
- + Deposit Growth Rate: Top 7.9% in tier
- + Loan Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 51.5% in tier
- - Credit Risk Growth: Bottom 52.8% in tier
- - Margin Compression: Bottom 55.6% in tier
- - Indirect Auto Dependency: Bottom 60.0% in tier
- - Credit Quality Pressure: Bottom 91.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
265,405
+8.9% YoY+0.3% QoQ
|
+35.1K |
230,353
-2.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$3.7B
+17.9% YoY+1.0% QoQ
|
$-200.6M |
$3.9B
+0.3% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$3.1B
+15.4% YoY+3.6% QoQ
|
+$121.1M |
$2.9B
-0.2% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$3.3B
+16.5% YoY-0.3% QoQ
|
$-25.4M |
$3.3B
-0.3% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
1.1%
-8.6% YoY-0.2% QoQ
|
+0.4% |
0.7%
+16.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
3.0%
+10.7% YoY+0.9% QoQ
|
-0.2% |
3.1%
+9.8% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
62.2%
+3.0% YoY-0.0% QoQ
|
-9.2% |
71.4%
-1.4% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
0.5%
+6.0% YoY+36.5% QoQ
|
-0.4 |
0.9%
+5.8% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
34% |
| Loan To Share |
93.0%
-0.9% YoY+3.9% QoQ
|
+4.1% |
88.9%
-0.2% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$23,894
+6.5% YoY+1.3% QoQ
|
$-6K |
$29,682
+1.5% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
32.3%
-2.5% YoY-2.9% QoQ
|
+3.3% | 29.0% | 28.4% | 19.8% | 67% |
| Indirect Auto % |
18.7%
-13.3% YoY-3.1% QoQ
|
+0.4% | 18.3% | 7.4% | 7.8% | 56% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)