BlastPoint's Credit Union Scorecard

UTAH COMMUNITY

Charter #10709 · UT

Mid-Market 3B-5B

78 CUs in 3B-5B nationally 2 in UT

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UTAH COMMUNITY has 2 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 25.3% in tier
+ ROA 0.28% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 13.4% in tier
- Indirect Auto Dependency: Bottom 25.0% in tier
- Liquidity Strain: Bottom 27.9% in tier
- Credit Quality Pressure: Bottom 58.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	268,370 +3.8% YoY+1.1% QoQ	+47.9K	220,435 -7.6% YoY	80,723 +8.1% YoY	33,913 +5.7% YoY	81%
Assets	$3.9B +8.2% YoY+3.3% QoQ	$-51.4M	$3.9B -1.5% YoY	$1.3B +11.9% YoY	$578.3M +9.0% YoY	45%
Loans	$3.2B +12.6% YoY+3.3% QoQ	+$265.2M	$2.9B -1.1% YoY	$985.7M +12.1% YoY	$402.4M +8.7% YoY	63%
Deposits	$3.4B +7.6% YoY+3.5% QoQ	+$102.7M	$3.3B -2.5% YoY	$1.1B +11.5% YoY	$494.3M +9.1% YoY	53%

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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	1.0% +85.5% YoY-8.3% QoQ	+0.3%	0.7% +10.6% YoY	0.4% -49.8% YoY	0.4% -39.2% YoY	68%
NIM	3.1% +6.2% YoY+5.0% QoQ	-0.1%	3.2% +4.6% YoY	3.4% +1.0% YoY	3.8% +4.1% YoY	45%
Efficiency Ratio	63.2% -10.8% YoY+1.5% QoQ	-8.1%	71.3% -2.6% YoY	74.1% +0.8% YoY	84.6% +2.8% YoY	22%
Delinquency Rate	0.3% +0.5% YoY-31.0% QoQ	-0.4	0.7% +9.2% YoY	0.7% +20.4% YoY	1.2% +3.4% YoY	19%
Loan To Share	92.9% +4.7% YoY-0.2% QoQ	+4.9%	88.0% +0.9% YoY	75.0% -3.9% YoY	65.6% -1.4% YoY	60%
AMR	$24,440 +5.9% YoY+2.3% QoQ	$-6K	$30,672 +5.5% YoY	$21,837 +4.8% YoY	$19,920 +1.6% YoY	22%
CD Concentration	33.2% +1.4% YoY+2.8% QoQ	+4.4%	28.8%	28.4%	19.8%	70%
Indirect Auto %	18.2% -10.3% YoY-3.0% QoQ	+0.1%	18.1%	7.1%	7.7%	56%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#96 of 125 • Top 25.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.91%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | Rank worsening

Concerns (4)

Liquidity Strain

risk

#74 of 148 • Bottom 27.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.87%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 12.62%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | New qualifier

Credit Risk Growth

risk

#114 of 183 • Bottom 13.4% in tier

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

Why This Signature

Loan Growth (YoY): 12.62%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Indirect Auto Dependency

risk

#133 of 198 • Bottom 25.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 8.21%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 18.18%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.83%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Credit Quality Pressure

risk

#223 of 225 • Bottom 58.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.00% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

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 78 peers in tier

Top Strengths (5 metrics)

Loan Growth Rate

growth

Value: 12.62%

Peer Median: 5.73%

#12 of 78 Top 14.1% in 3B-5B tier

Total Members

engagement

Value: 268,370

Peer Median: 212,824

#15 of 78 Top 17.9% in 3B-5B tier

AMR Growth Rate

growth

Value: 5.91%

Peer Median: 2.86%

#16 of 78 Top 19.2% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Median: 0.54%

#16 of 78 Top 19.2% in 3B-5B tier

Efficiency Ratio

profitability

Value: 63.16%

Peer Median: 69.26%

#18 of 78 Top 21.8% in 3B-5B tier

Top Weaknesses (2 metrics)

Fee Income Per Member

profitability

Value: $86.91

Peer Median: $175.66

#70 of 78 Bottom 11.5% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $24,440

Peer Median: $28,813

#61 of 78 Bottom 23.1% in 3B-5B tier