BlastPoint's Credit Union Scorecard
UTAH COMMUNITY
Charter #10709 · UT
UTAH COMMUNITY has 10 strengths but faces 2 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 1.5% in tier
- + Organic Growth Leader: Top 4.8% in tier
- + Wallet Share Momentum: Top 77.4% in tier
- + Credit Quality Leader: Top 78.7% in tier
- + Profitability Leader: Top 79.8% in tier
- + ROA 0.35% above tier average
- + Strong member growth: 8.6% YoY
- + Asset Growth Rate: Top 5.3% in tier
- + Deposit Growth Rate: Top 7.9% in tier
- + Member Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 11.0% in tier
- - Indirect Auto Dependency: Bottom 17.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
264,599
+8.6% YoY+0.8% QoQ
|
+26.1K |
238,465
+0.6% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
68% |
| Assets |
$3.7B
+18.8% YoY+3.4% QoQ
|
$-268.9M |
$4.0B
-0.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$2.9B
+11.2% YoY+2.4% QoQ
|
$-69.4M |
$3.0B
+3.3% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
47% |
| Deposits |
$3.3B
+18.6% YoY+2.9% QoQ
|
$-39.3M |
$3.3B
+1.1% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
46% |
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| ROA |
1.1%
-13.4% YoY+25.6% QoQ
|
+0.4% |
0.7%
+5.3% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
3.0%
+10.4% YoY+1.8% QoQ
|
-0.2% |
3.2%
+13.7% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
37% |
| Efficiency Ratio |
62.2%
+4.9% YoY-5.7% QoQ
|
-9.0% |
71.3%
-0.6% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
21% |
| Delinquency Rate |
0.4%
-24.3% YoY-20.7% QoQ
|
-0.5 |
0.8%
+15.9% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
18% |
| Loan To Share |
89.5%
-6.2% YoY-0.5% QoQ
|
-1.3% |
90.8%
+2.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$23,596
+5.9% YoY+1.9% QoQ
|
$-5K |
$29,088
+0.1% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
21% |
| CD Concentration |
33.3%
+2.6% YoY+0.1% QoQ
|
+4.4% |
29.0%
+0.7% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
72% |
| Indirect Auto % |
19.3%
-13.6% YoY+0.0% QoQ
|
+0.6% |
18.8%
-3.0% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
56% |
Signature Analysis
Strengths (5)
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.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
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.
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)