BlastPoint's Credit Union Scorecard
OREM CITY EMPLOYEES
Charter #13965 · UT
OREM CITY EMPLOYEES has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.18% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency ratio 14.67% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 2.5% in tier
- - AMR Growth Rate: Bottom 3.1% in tier
- - Average Member Relationship (AMR): Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
856
-0.8% YoY+20.4% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$2.6M
-2.9% YoY-2.7% QoQ
|
$-27.6M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.4% in tier |
| Loans |
$1.5M
-28.8% YoY-7.3% QoQ
|
$-14.3M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.7% in tier |
| Deposits |
$2.2M
-3.9% YoY-3.3% QoQ
|
$-23.5M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.1% in tier |
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| ROA |
0.1%
-88.4% YoY-67.2% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
4.1%
-2.0% YoY-0.9% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
97.2%
+26.9% YoY+6.1% QoQ
|
+14.7% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
Top 14.4% in tier |
| Delinquency Rate |
1.5%
+61.0% YoY+7.0% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
68.5%
-25.9% YoY-4.1% QoQ
|
+7.9% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$4,303
-15.2% YoY-21.1% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.7% in tier |
| CD Concentration |
36.3%
+2.5% YoY+4.0% QoQ
|
+11.9% | 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)