BlastPoint's Credit Union Scorecard
OREM CITY EMPLOYEES
Charter #13965 · UT
OREM CITY EMPLOYEES has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 1.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.25% below tier average
- - Efficiency ratio 3.28% above tier (higher cost structure)
- - Member decline: -29.0% YoY
- - Member Growth Rate: Bottom 0.9% in tier
- - Share Certificate Concentration (%): Bottom 7.2% 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 +3.8% year over year ($2.3M in shares and deposits).
- Membership: 519 members, -29.0% vs a year ago.
- Delinquency rate 0.13%.
- Return on assets 0.24%.
- Efficiency ratio 92.05% vs a 88.77% peer average.
- Loan-to-share ratio 67.82% 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 |
519
-29.0% YoY-2.1% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
84,939
+12.5% YoY
|
34,678
+6.6% YoY
|
Bottom 14.0% in tier |
| Assets |
$2.7M
+3.7% YoY+1.9% QoQ
|
$-27.5M |
$30.3M
+1.5% YoY
|
$1.4B
+17.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.7% in tier |
| Loans |
$1.6M
-9.6% YoY+6.0% QoQ
|
$-13.9M |
$15.5M
-1.7% YoY
|
$1.1B
+18.0% YoY
|
$418.6M
+10.1% YoY
|
15% |
| Deposits |
$2.3M
+3.8% YoY+2.0% QoQ
|
$-23.5M |
$25.8M
+1.1% YoY
|
$1.2B
+16.7% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.6% in tier |
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| ROA |
0.2%
+14.3% YoY-166.4% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.0%
+17.0% YoY
|
1.2%
+121.4% YoY
|
15% |
| NIM |
3.6%
-12.0% YoY-0.2% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.4%
+1.5% YoY
|
3.8%
+2.3% YoY
|
40% |
| Efficiency Ratio |
92.0%
-3.1% YoY-16.1% QoQ
|
+3.3% |
88.8%
-6.9% YoY
|
73.7%
+1.7% YoY
|
83.0%
-5.3% YoY
|
76% |
| Delinquency Rate |
0.1%
-92.5% YoY-94.7% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
0.8%
+17.2% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
67.8%
-12.8% YoY+3.9% QoQ
|
+8.9% |
58.9%
-3.1% YoY
|
75.6%
-3.6% YoY
|
66.4%
-1.4% YoY
|
63% |
| AMR |
$7,550
+37.9% YoY+5.8% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$21,736
+3.5% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration |
40.9%
+17.7% YoY+2.3% QoQ
|
+16.4% | 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)