BlastPoint's Credit Union Scorecard
C U P
Charter #13833 · UT
C U P has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.03% above tier average
- + Strong member growth: 6.8% YoY
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 4.4% in tier
- + Deposit Growth Rate: Top 6.8% in tier
- + Asset Growth Rate: Top 7.2% in tier
- + Loan-to-Member Ratio (LMR): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.03% below tier average
- - Share Certificate Concentration (%): Bottom 3.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
790
+6.8% YoY+1.4% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$9.9M
+11.2% YoY+3.0% QoQ
|
$-20.3M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$7.7M
+9.5% YoY+0.7% QoQ
|
$-8.1M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$8.8M
+12.0% YoY+3.2% QoQ
|
$-16.9M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
0.6%
+30.0% YoY+8.6% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
4.0%
+3.6% YoY+0.8% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
81.2%
-2.7% YoY-1.4% QoQ
|
-1.3% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate | 0.0% | -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 |
87.7%
-2.2% YoY-2.4% QoQ
|
+27.1% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
Top 12.4% in tier |
| AMR |
$20,818
+3.8% YoY+0.6% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
82% |
| CD Concentration |
51.0%
+1.2% YoY-3.9% QoQ
|
+26.6% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.8% | 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)