BlastPoint's Credit Union Scorecard
OREM CITY EMPLOYEES
Charter #13965 · UT
OREM CITY EMPLOYEES has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 7.1% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
- - Efficiency ratio 10.21% above tier (higher cost structure)
- - Member decline: -16.3% YoY
- - Member Growth Rate: Bottom 2.5% in tier
- - Loan Growth Rate: Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
711
-16.3% YoY-2.7% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
20% |
| Assets |
$2.7M
+4.1% YoY+0.5% QoQ
|
$-27.2M |
$29.9M
+1.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.0% in tier |
| Loans |
$1.6M
-18.4% YoY-7.7% QoQ
|
$-14.2M |
$15.8M
-2.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
15% |
| Deposits |
$2.3M
+4.5% YoY+0.5% QoQ
|
$-23.2M |
$25.5M
+0.4% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.8% in tier |
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| ROA |
0.4%
-25.0% YoY+69.0% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
30% |
| NIM |
4.2%
+182.3% YoY+0.6% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
61% |
| Efficiency Ratio |
91.6%
+34.1% YoY-3.6% QoQ
|
+10.2% |
81.4%
-2.4% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
79% |
| Delinquency Rate |
1.4%
-5.2% YoY-18.8% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
71% |
| Loan To Share |
71.4%
-21.9% YoY-8.2% QoQ
|
+10.2% |
61.2%
-3.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
64% |
| AMR |
$5,451
+11.7% YoY-0.4% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.4% in tier |
| CD Concentration |
35.0%
+46.0% YoY+0.4% QoQ
|
+10.5% |
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)