BlastPoint's Credit Union Scorecard
NORTH SANPETE
Charter #13224 · UT
NORTH SANPETE has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Fee Income Per Member: Bottom 4.3% in tier
- - Total Assets: Bottom 6.3% in tier
- - Total Deposits: Bottom 6.6% in tier
- - Average Member Relationship (AMR): Bottom 8.9% in tier
- - Total Members: Bottom 9.2% in tier
- - Total Loans: Bottom 9.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 29 that size in Utah.
- Shares and deposits -0.7% year over year ($929K in shares and deposits).
- Membership: 340 members, -1.4% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.07%.
- Efficiency ratio 66.99% vs a 88.77% peer average.
- Loan-to-share ratio 81.48% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
340
-1.4% YoY-1.7% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
84,939
+12.5% YoY
|
34,678
+6.6% YoY
|
Bottom 9.1% in tier |
| Assets |
$1.2M
+0.2% YoY+0.6% QoQ
|
$-29.1M |
$30.3M
+1.5% YoY
|
$1.4B
+17.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.3% in tier |
| Loans |
$756,692
+3.8% YoY+6.9% QoQ
|
$-14.7M |
$15.5M
-1.7% YoY
|
$1.1B
+18.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.5% in tier |
| Deposits |
$928,637
-0.7% YoY+0.3% QoQ
|
$-24.9M |
$25.8M
+1.1% YoY
|
$1.2B
+16.7% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.5% in tier |
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| ROA |
1.1%
+1570.3% YoY+21.2% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.0%
+17.0% YoY
|
1.2%
+121.4% YoY
|
64% |
| NIM |
3.3%
+13.2% YoY+5.6% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.4%
+1.5% YoY
|
3.8%
+2.3% YoY
|
27% |
| Efficiency Ratio |
67.0%
-19.3% YoY-6.6% QoQ
|
-21.8% |
88.8%
-6.9% YoY
|
73.7%
+1.7% YoY
|
83.0%
-5.3% YoY
|
21% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
0.8%
+17.2% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
81.5%
+4.6% YoY+6.6% QoQ
|
+22.6% |
58.9%
-3.1% YoY
|
75.6%
-3.6% YoY
|
66.4%
-1.4% YoY
|
82% |
| AMR |
$4,957
+2.8% YoY+5.0% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$21,736
+3.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 8.9% in tier |
| CD Concentration |
13.4%
-14.0% YoY+14.3% QoQ
|
-11.1% | 24.6% | 28.5% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.3% | 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)