BlastPoint's Credit Union Scorecard

LOGAN MEDICAL

Charter #14571 · UT

2556 CUs in <100M nationally 29 in UT

LOGAN MEDICAL has 2 strengths but faces 3 concerns

National Analysis

How does the industry compare?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.32% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 1.68% above tier average
- Member decline: -3.7% YoY
- Share Certificate Concentration (%): Bottom 6.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	1,975 -3.7% YoY-1.5% QoQ	-640	2,615 -1.9% YoY	78,581 +8.3% YoY	33,374 +5.7% YoY	50%
Assets	$32.3M +4.2% YoY-1.5% QoQ	+$2.2M	$30.1M +2.1% YoY	$1.2B +12.9% YoY	$561.6M +9.7% YoY	62%
Loans	$16.6M -9.9% YoY-3.6% QoQ	+$797K	$15.8M -1.3% YoY	$958.3M +12.4% YoY	$397.0M +8.8% YoY	64%
Deposits	$26.3M +3.8% YoY-1.9% QoQ	+$648K	$25.7M +1.4% YoY	$1.1B +12.7% YoY	$477.3M +9.7% YoY	60%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% -19.2% YoY-11.0% QoQ	+0.3%	0.6% +10.8% YoY	0.8% +12.1% YoY	0.7% +15.9% YoY	63%
NIM	3.1% +5.9% YoY+2.5% QoQ	-0.8%	4.0% +4.0% YoY	3.4% +4.7% YoY	3.8% +5.1% YoY	22%
Efficiency Ratio	66.8% +6.8% YoY-0.2% QoQ	-15.8%	82.6% -2.3% YoY	72.6% -3.7% YoY	79.7% -3.3% YoY	21%
Delinquency Rate	3.2% +500.3% YoY+150.1% QoQ	+1.7	1.6% -3.1% YoY	1.0% +50.5% YoY	1.3% -2.1% YoY	Top 11.8% in tier
Loan To Share	62.9% -13.2% YoY-1.7% QoQ	+2.3%	60.6% -3.1% YoY	76.7% -4.3% YoY	67.4% -1.7% YoY	53%
AMR	$21,719 +1.8% YoY-1.1% QoQ	+$7K	$14,783 -1.4% YoY	$21,704 +5.2% YoY	$19,687 +2.0% YoY	84%
CD Concentration	43.0% +5.7% YoY+2.3% QoQ	+18.5%	24.4%	28.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.4%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

402

Average Member Relationship (AMR)

engagement

Value: $21,719

Peer Median: -

#402 of 2556 Top 15.7% in <100M tier

404

Loan-to-Member Ratio (LMR)

engagement

Value: $8,384

Peer Median: -

#404 of 2556 Top 15.8% in <100M tier

536

Efficiency Ratio

profitability

Value: 66.79%

Peer Median: -

#536 of 2556 Top 20.9% in <100M tier

Top Weaknesses (5 metrics)

2404

Share Certificate Concentration (%)

balance_sheet

Value: 42.97%

Peer Median: -

#2404 of 2556 Bottom 6.0% in <100M tier

2256

Total Delinquency Rate (60+ days)

risk

Value: 3.24%

Peer Median: -

#2256 of 2556 Bottom 11.8% in <100M tier

2015

Loan Growth Rate

growth

Value: -9.92%

Peer Median: -

#2015 of 2556 Bottom 21.2% in <100M tier

2014

First Mortgage Concentration (%)

balance_sheet

Value: 29.48%

Peer Median: -

#2014 of 2556 Bottom 21.2% in <100M tier

1987

Net Interest Margin (NIM)

profitability

Value: 3.12%

Peer Median: -

#1987 of 2556 Bottom 22.3% in <100M tier