UTAH COMMUNITY

Charter #10709 | UT

3B-5B (76 CUs) Mid-Market (380 CUs)
2 3B-5B in UT

UTAH COMMUNITY has 9 strengths but faces 2 concerns

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 12.3% in tier
  • + Relationship Depth Leader: Top 18.0% 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
 68th in tier
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
 38th in tier
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
 47th in tier
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
 46th in tier
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
 70th in tier
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
 37th in tier
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
 Bottom 21.1% in tier
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
 Bottom 18.4% in tier
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
 38th in tier
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
 Bottom 21.1% in tier
CD Concentration 33.3%
+2.6% YoY+0.1% QoQ
 +4.3% 29.0%
+0.8% YoY
 27.9%
+4.6% YoY
 19.6%
+6.2% YoY
 72nd in tier
Indirect Auto % 19.3%
-13.6% YoY+0.0% QoQ
 +0.5% 18.8%
-2.8% YoY
 7.4%
-10.5% YoY
 7.9%
-2.9% YoY
 56th in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#12 of 246 • Top 1.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 8.56%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.10%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 19.33%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Organic Growth Leader

growth
#20 of 138 • Top 4.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 8.56%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | New qualifier

Wallet Share Momentum

growth
#90 of 264 • Top 12.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.92%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#131 of 264 • Top 18.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.92%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.5K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (2)

Margin Compression

decline
#10 of 24 • Bottom 11.0% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.10%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.17% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Total Assets: $3.70B
(Tier: $3.97B, National: $547.69M)
worse than tier avg
24 of 380 Mid-Market CUs have this signature | 169 nationally
↓ Shrinking -16 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#110 of 202 • Bottom 17.7% in tier

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

Why This Signature
Asset Growth (YoY): 18.77%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 19.33%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 8.56%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

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)

Comparing against 76 peers in tier

Top Strengths (7 metrics)

5
Asset Growth Rate
growth
Value: 18.77%
Peer Avg: 7.42%
#5 of 76 Top 5.3% in 3B-5B tier
7
Deposit Growth Rate
growth
Value: 18.62%
Peer Avg: 8.84%
#7 of 76 Top 7.9% in 3B-5B tier
8
Member Growth Rate
growth
Value: 8.56%
Peer Avg: 7.02%
#8 of 76 Top 9.2% in 3B-5B tier
15
Total Delinquency Rate (60+ days)
risk
Value: 0.37%
Peer Avg: 0.84%
#15 of 76 Top 18.4% in 3B-5B tier
16
AMR Growth Rate
growth
Value: 5.92%
Peer Avg: 2.07%
#16 of 76 Top 19.7% in 3B-5B tier
17
Efficiency Ratio
profitability
Value: 62.24%
Peer Avg: 71.26%
#17 of 76 Top 21.1% in 3B-5B tier
20
Loan Growth Rate
growth
Value: 11.20%
Peer Avg: 9.56%
#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (2 metrics)

63
Fee Income Per Member
profitability
Value: $123.67
Peer Avg: $191.96
#63 of 76 Bottom 18.4% in 3B-5B tier
60
Average Member Relationship (AMR)
engagement
Value: $23,596
Peer Avg: $29,088
#60 of 76 Bottom 22.4% in 3B-5B tier