BlastPoint's Credit Union Scorecard
NORTH SANPETE
Charter #13224 · UT
2556 CUs in <100M nationally
29 in UT
NORTH SANPETE has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Fee Income Per Member: Bottom 4.2% in tier
- - Total Assets: Bottom 6.7% in tier
- - Total Deposits: Bottom 6.8% in tier
- - Average Member Relationship (AMR): Bottom 8.7% in tier
- - Total Loans: Bottom 9.2% in tier
- - Total Members: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
350
0% YoY-0.3% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
Bottom 9.3% in tier |
| Assets |
$1.2M
+4.3% YoY+0.5% QoQ
|
$-28.9M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.6% in tier |
| Loans |
$748,181
-12.3% YoY-4.3% QoQ
|
$-15.0M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.2% in tier |
| Deposits |
$951,778
+5.2% YoY+0.5% QoQ
|
$-24.7M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.8% in tier |
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| ROA |
0.3%
-41.2% YoY+4.4% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
3.0%
+4.5% YoY+0.1% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
78.0%
-1.8% YoY-1.8% QoQ
|
-4.6% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
78.6%
-16.7% YoY-4.7% QoQ
|
+18.0% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$4,857
-3.3% YoY-1.4% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.7% in tier |
| CD Concentration |
15.4%
-1.8% YoY-0.4% QoQ
|
-9.1% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
389
Net Worth Ratio
risk
Value:
22.63%
Peer Median: -
#389 of 2556
Top 15.2% in <100M tier
595
Loan-to-Share Ratio
balance_sheet
Value:
78.61%
Peer Median: -
#595 of 2556
Top 23.2% in <100M tier
633
Deposit Growth Rate
growth
Value:
5.24%
Peer Median: -
#633 of 2556
Top 24.7% in <100M tier
Top Weaknesses (10 metrics)
2450
Fee Income Per Member
profitability
Value:
$0.09
Peer Median: -
#2450 of 2556
Bottom 4.2% in <100M tier
2387
Total Assets
balance_sheet
Value:
$1.24M
Peer Median: -
#2387 of 2556
Bottom 6.7% in <100M tier
2382
Total Deposits
balance_sheet
Value:
$951,778
Peer Median: -
#2382 of 2556
Bottom 6.8% in <100M tier
2334
Average Member Relationship (AMR)
engagement
Value:
$4,857
Peer Median: -
#2334 of 2556
Bottom 8.7% in <100M tier
2321
Total Loans
balance_sheet
Value:
$748,181
Peer Median: -
#2321 of 2556
Bottom 9.2% in <100M tier
2317
Total Members
engagement
Value:
350
Peer Median: -
#2317 of 2556
Bottom 9.4% in <100M tier
2184
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,138
Peer Median: -
#2184 of 2556
Bottom 14.6% in <100M tier
2170
Loan Growth Rate
growth
Value:
-12.34%
Peer Median: -
#2170 of 2556
Bottom 15.1% in <100M tier
2080
Net Interest Margin (NIM)
profitability
Value:
2.98%
Peer Median: -
#2080 of 2556
Bottom 18.7% in <100M tier
1993
AMR Growth Rate
growth
Value:
-3.30%
Peer Median: -
#1993 of 2556
Bottom 22.1% in <100M tier