BlastPoint's Credit Union Scorecard
NORTH SANPETE
Charter #13224 · UT
NORTH SANPETE has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Fee Income Per Member: Bottom 5.0% in tier
- - Total Assets: Bottom 6.8% in tier
- - Total Deposits: Bottom 7.0% in tier
- - Average Member Relationship (AMR): Bottom 9.1% in tier
- - Total Members: Bottom 9.6% in tier
- - Total Loans: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
351
+1.2% YoY+1.7% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
Bottom 9.5% in tier |
| Assets |
$1.2M
+1.5% YoY+1.1% QoQ
|
$-28.6M |
$29.9M
+1.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.7% in tier |
| Loans |
$781,656
-13.1% YoY+7.3% QoQ
|
$-15.0M |
$15.8M
-2.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.8% in tier |
| Deposits |
$947,325
+1.6% YoY+1.3% QoQ
|
$-24.5M |
$25.5M
+0.4% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.0% in tier |
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| ROA |
0.3%
-50.2% YoY+415.4% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
29% |
| NIM |
3.0%
-0.5% YoY+2.4% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
17% |
| Efficiency Ratio |
79.4%
+1.9% YoY-4.3% QoQ
|
-2.0% |
81.4%
-2.4% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.4%
-35.3% YoY
|
-1.1 |
1.5%
-2.0% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
37% |
| Loan To Share |
82.5%
-14.5% YoY+5.9% QoQ
|
+21.3% |
61.2%
-3.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$4,926
-6.7% YoY+2.1% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.1% in tier |
| CD Concentration |
15.4%
+12.8% YoY-1.0% QoQ
|
-9.0% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
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)