BlastPoint's Credit Union Scorecard
UTAH COMMUNITY
Charter #10709 · UT
UTAH COMMUNITY has 3 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
- + Wallet Share Momentum: Top 22.3% in tier
- + ROA 0.64% above tier average
- + Efficiency Ratio: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 10.5% in tier
- - Liquidity Strain: Bottom 26.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 2 that size in Utah.
- Shares and deposits +6.9% year over year ($3.42B in shares and deposits).
- Membership: 270,676 members, +3.1% vs a year ago.
- Delinquency rate 0.38%.
- Return on assets 1.57%.
- Efficiency ratio 54.59% vs a 69.45% peer average.
- Loan-to-share ratio 95.15% vs a 90.24% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
270,676
+3.1% YoY+0.9% QoQ
|
+54.1K |
216,545
-9.5% YoY
|
84,939
+12.5% YoY
|
34,678
+6.6% YoY
|
83% |
| Assets |
$4.0B
+13.0% YoY+4.7% QoQ
|
+$142.7M |
$3.9B
-1.6% YoY
|
$1.4B
+17.3% YoY
|
$593.1M
+10.2% YoY
|
54% |
| Loans |
$3.3B
+13.0% YoY+3.1% QoQ
|
+$325.0M |
$2.9B
-1.2% YoY
|
$1.1B
+18.0% YoY
|
$418.6M
+10.1% YoY
|
69% |
| Deposits |
$3.4B
+6.9% YoY+0.6% QoQ
|
+$164.7M |
$3.3B
-2.6% YoY
|
$1.2B
+16.7% YoY
|
$504.8M
+10.3% YoY
|
54% |
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| ROA |
1.6%
+79.0% YoY+55.7% QoQ
|
+0.6% |
0.9%
+25.3% YoY
|
1.0%
+17.0% YoY
|
1.2%
+121.4% YoY
|
Top 7.8% in tier |
| NIM |
3.2%
+9.4% YoY+1.4% QoQ
|
-0.1% |
3.2%
+3.8% YoY
|
3.4%
+1.5% YoY
|
3.8%
+2.3% YoY
|
44% |
| Efficiency Ratio |
54.6%
-17.3% YoY-13.6% QoQ
|
-14.9% |
69.5%
-2.3% YoY
|
73.7%
+1.7% YoY
|
83.0%
-5.3% YoY
|
Top 3.9% in tier |
| Delinquency Rate |
0.4%
-19.3% YoY+8.2% QoQ
|
-0.5 |
0.8%
+5.5% YoY
|
0.8%
+17.2% YoY
|
1.3%
+2.6% YoY
|
16% |
| Loan To Share |
95.2%
+5.7% YoY+2.5% QoQ
|
+4.9% |
90.2%
+0.9% YoY
|
75.6%
-3.6% YoY
|
66.4%
-1.4% YoY
|
60% |
| AMR |
$24,672
+6.5% YoY+0.9% QoQ
|
$-6K |
$31,018
+6.9% YoY
|
$21,736
+3.5% YoY
|
$20,028
-0.9% YoY
|
20% |
| CD Concentration |
33.8%
+1.7% YoY+1.8% QoQ
|
+4.8% | 29.1% | 28.5% | 20.0% | 71% |
| Indirect Auto % |
18.0%
-6.9% YoY-1.0% QoQ
|
-0.1% | 18.1% | 6.3% | 7.7% | 57% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)