BlastPoint's Credit Union Scorecard

ASCENT

Charter #11520 · UT

100M-500M

1070 CUs in 100M-500M nationally 12 in UT

ASCENT faces 8 concerns requiring attention

National Analysis

How does the industry compare?

UT Analysis

How does UT stack up?

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
- Shrinking Wallet Share: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.71% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	9,173 -0.7% YoY-0.4% QoQ	-6.0K	15,145 -2.5% YoY	80,723 +8.1% YoY	33,913 +5.7% YoY	26%
Assets	$173.1M +3.2% YoY+0.4% QoQ	$-58.6M	$231.7M +0.8% YoY	$1.3B +11.9% YoY	$578.3M +9.0% YoY	40%
Loans	$123.5M -9.1% YoY-3.0% QoQ	$-20.7M	$144.1M +0.2% YoY	$985.7M +12.1% YoY	$402.4M +8.7% YoY	51%
Deposits	$156.8M +3.4% YoY+0.7% QoQ	$-44.3M	$201.1M +0.4% YoY	$1.1B +11.5% YoY	$494.3M +9.1% YoY	44%

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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	0.0% -120.1% YoY-85.0% QoQ	-0.7%	0.7% +5.1% YoY	0.4% -49.8% YoY	0.4% -39.2% YoY	Bottom 8.3% in tier
NIM	3.0% +3.0% YoY-0.6% QoQ	-0.6%	3.6% +4.6% YoY	3.4% +1.0% YoY	3.8% +4.1% YoY	16%
Efficiency Ratio	92.9% -2.3% YoY+2.3% QoQ	+14.8%	78.0% -1.7% YoY	74.1% +0.8% YoY	84.6% +2.8% YoY	Bottom 9.7% in tier
Delinquency Rate	0.8% +4.6% YoY-18.1% QoQ	+0.0	0.8% +7.1% YoY	0.7% +20.4% YoY	1.2% +3.4% YoY	62%
Loan To Share	78.7% -12.1% YoY-3.6% QoQ	+8.3%	70.4% -0.4% YoY	75.0% -3.9% YoY	65.6% -1.4% YoY	65%
AMR	$30,558 -1.7% YoY-0.6% QoQ	+$6K	$24,918 +2.7% YoY	$21,837 +4.8% YoY	$19,920 +1.6% YoY	82%
CD Concentration	31.8% +1.6% YoY-0.6% QoQ	+7.5%	24.3%	28.4%	19.8%	50%
Indirect Auto %	10.5% -13.7% YoY-4.2% QoQ	-3.3%	13.8%	7.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Efficiency Drag

risk

#19 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 92.85%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.13% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -0.73%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Stagnation Risk

risk

#267 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.73%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -9.05%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.76%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Shrinking Wallet Share

decline

#159 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.75%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Institutional Decline

decline

#173 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $173.07M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -0.73%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -9.05%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Credit Quality Pressure

risk

#626 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Accelerating Exit Risk

decline

#49 of 53 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -0.73%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -1.75%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 1070 Mid-Small & Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

Membership Headwinds

decline

#537 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.73%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (2 metrics)

178

Loan-to-Member Ratio (LMR)

engagement

Value: $13,462

Peer Median: $9,356

#178 of 1070 Top 16.5% in 100M-500M tier

187

Average Member Relationship (AMR)

engagement

Value: $30,558

Peer Median: $22,931

#187 of 1070 Top 17.4% in 100M-500M tier

Top Weaknesses (9 metrics)

1039

Members Per Employee (MPE)

engagement

Value: 191.104

Peer Median: 309.176

#1039 of 1070 Bottom 3.0% in 100M-500M tier

1032

Loan Growth Rate

growth

Value: -9.05%

Peer Median: 2.93%

#1032 of 1070 Bottom 3.6% in 100M-500M tier

981

Return on Assets (ROA)

profitability

Value: 0.02%

Peer Median: 0.69%

#981 of 1070 Bottom 8.4% in 100M-500M tier

967

Efficiency Ratio

profitability

Value: 92.85%

Peer Median: 78.68%

#967 of 1070 Bottom 9.7% in 100M-500M tier

940

AMR Growth Rate

growth

Value: -1.75%

Peer Median: 3.46%

#940 of 1070 Bottom 12.2% in 100M-500M tier

928

First Mortgage Concentration (%)

balance_sheet

Value: 50.73%

Peer Median: 29.47%

#928 of 1070 Bottom 13.4% in 100M-500M tier

922

Net Worth Ratio

risk

Value: 8.99%

Peer Median: 11.45%

#922 of 1070 Bottom 13.9% in 100M-500M tier

893

Net Interest Margin (NIM)

profitability

Value: 3.01%

Peer Median: 3.62%

#893 of 1070 Bottom 16.6% in 100M-500M tier

828

Share Certificate Concentration (%)

balance_sheet

Value: 31.82%

Peer Median: 23.10%

#828 of 1070 Bottom 22.7% in 100M-500M tier