BlastPoint's Credit Union Scorecard
ASCENT
Charter #11520 · UT
ASCENT faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 0.62% below tier average
- - Efficiency ratio 13.73% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,210
-1.1% YoY-0.6% QoQ
|
-6.2K |
15,437
-2.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$172.3M
+2.2% YoY+1.5% QoQ
|
$-59.5M |
$231.9M
+1.3% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$127.3M
-8.4% YoY-2.3% QoQ
|
$-20.1M |
$147.3M
-0.1% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$155.8M
+2.4% YoY+1.6% QoQ
|
$-45.0M |
$200.8M
+0.8% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
44% |
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| ROA |
0.1%
+7.2% QoQ
|
-0.6% |
0.8%
+18.2% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.5% in tier |
| NIM |
3.0%
+5.2% YoY-0.6% QoQ
|
-0.6% |
3.6%
+6.7% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
90.8%
-4.4% YoY-0.7% QoQ
|
+13.7% |
77.0%
-3.1% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.7% in tier |
| Delinquency Rate |
0.9%
-20.3% YoY+75.6% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
81.7%
-10.5% YoY-3.8% QoQ
|
+9.5% |
72.2%
-1.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$30,734
-1.6% YoY+0.4% QoQ
|
+$6K |
$24,676
+3.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
32.0%
+8.9% YoY-1.6% QoQ
|
+7.6% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % |
11.0%
-14.1% YoY-4.4% QoQ
|
-2.8% | 13.8% | 7.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)