BlastPoint's Credit Union Scorecard
NORTH SANPETE
Charter #13224 · UT
NORTH SANPETE has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.73% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 4.7% in tier
- - Total Assets: Bottom 6.4% in tier
- - Total Deposits: Bottom 6.6% in tier
- - Average Member Relationship (AMR): Bottom 8.4% in tier
- - Total Members: Bottom 9.2% in tier
- - Total Loans: Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
346
0% YoY-1.1% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
Bottom 9.1% in tier |
| Assets |
$1.2M
+1.0% YoY-1.9% QoQ
|
$-29.0M |
$30.2M
+1.3% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.3% in tier |
| Loans |
$707,891
-9.3% YoY-5.4% QoQ
|
$-14.6M |
$15.3M
-2.0% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.2% in tier |
| Deposits |
$925,763
+0.7% YoY-2.7% QoQ
|
$-24.9M |
$25.8M
+0.7% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.6% in tier |
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| ROA |
0.9%
-79.6% YoY+156.2% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
64% |
| NIM |
3.1%
-4.7% YoY+4.6% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
71.7%
+112.9% YoY-8.1% QoQ
|
-18.9% |
90.6%
+6.5% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
28% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
76.5%
-10.0% YoY-2.7% QoQ
|
+18.0% |
58.5%
-3.0% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
77% |
| AMR |
$4,722
-3.9% YoY-2.8% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.3% in tier |
| CD Concentration |
11.7%
-25.0% YoY-23.7% QoQ
|
-12.5% | 24.3% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)