BlastPoint's Credit Union Scorecard
OREM CITY EMPLOYEES
Charter #13965 · UT
OREM CITY EMPLOYEES has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 1.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Efficiency ratio 19.05% above tier (higher cost structure)
- - Delinquency rate 0.94% above tier average
- - Member decline: -33.0% YoY
- - Member Growth Rate: Bottom 0.7% in tier
- - Loan Growth Rate: Bottom 4.4% in tier
- - Share Certificate Concentration (%): Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
530
-33.0% YoY-38.1% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
Bottom 14.5% in tier |
| Assets |
$2.7M
-0.5% YoY+4.1% QoQ
|
$-27.5M |
$30.2M
+1.3% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.6% in tier |
| Loans |
$1.5M
-23.6% YoY-0.3% QoQ
|
$-13.8M |
$15.3M
-2.0% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 14.8% in tier |
| Deposits |
$2.3M
-0.8% YoY+4.7% QoQ
|
$-23.5M |
$25.8M
+0.7% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.5% in tier |
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| ROA |
-0.4%
-174.8% YoY-410.2% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 14.6% in tier |
| NIM |
3.7%
-12.6% YoY-11.6% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
43% |
| Efficiency Ratio |
109.7%
+23.9% YoY+12.8% QoQ
|
+19.1% |
90.6%
+6.5% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 9.7% in tier |
| Delinquency Rate |
2.4%
+189.9% YoY+63.4% QoQ
|
+0.9 |
1.5%
+3.8% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
Bottom 14.9% in tier |
| Loan To Share |
65.3%
-22.9% YoY-4.8% QoQ
|
+6.8% |
58.5%
-3.0% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
60% |
| AMR |
$7,138
+32.4% YoY+65.9% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
15% |
| CD Concentration |
40.0%
+15.3% YoY+10.2% QoQ
|
+15.8% | 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)