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BlastPoint's Credit Union Scorecard

DEVILS SLIDE

Charter #16264 · UT

<100M
2437 CUs in <100M nationally 29 in UT

DEVILS SLIDE faces 3 concerns requiring attention

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - ROA 1.24% below tier average
  • - Efficiency ratio 17.94% above tier (higher cost structure)
  • - Share Certificate Concentration (%): Bottom 2.4% 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 -0.1% year over year ($18.2M in shares and deposits).
  • Membership: 1,764 members, +1.7% vs a year ago.
  • Delinquency rate 0.48%.
  • Return on assets 0.25%.
  • Efficiency ratio 106.70% vs a 88.77% peer average.
  • Loan-to-share ratio 81.48% 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 1,764
+1.7% YoY-0.5% QoQ
-821 2,585
-1.7% YoY
84,939
+12.5% YoY
34,678
+6.6% YoY
47%
Assets $20.9M
+0.1% YoY-1.5% QoQ
$-9.3M $30.3M
+1.5% YoY
$1.4B
+17.3% YoY
$593.1M
+10.2% YoY
49%
Loans $14.8M
+3.2% YoY+2.0% QoQ
$-667K $15.5M
-1.7% YoY
$1.1B
+18.0% YoY
$418.6M
+10.1% YoY
61%
Deposits $18.2M
-0.1% YoY-0.6% QoQ
$-7.6M $25.8M
+1.1% YoY
$1.2B
+16.7% YoY
$504.8M
+10.3% YoY
49%

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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 0.2%
-78.3% YoY-118.1% QoQ
-1.2% 1.5%
+241.5% YoY
1.0%
+17.0% YoY
1.2%
+121.4% YoY
16%
NIM 3.3%
-6.4% YoY+2.5% QoQ
-0.6% 3.9%
+0.9% YoY
3.4%
+1.5% YoY
3.8%
+2.3% YoY
28%
Efficiency Ratio 106.7%
+51.4% YoY+42.9% QoQ
+17.9% 88.8%
-6.9% YoY
73.7%
+1.7% YoY
83.0%
-5.3% YoY
Bottom 9.5% in tier
Delinquency Rate 0.5%
-11.7% YoY-29.5% QoQ
-1.1 1.5%
+2.1% YoY
0.8%
+17.2% YoY
1.3%
+2.6% YoY
41%
Loan To Share 81.5%
+3.3% YoY+2.7% QoQ
+22.6% 58.9%
-3.1% YoY
75.6%
-3.6% YoY
66.4%
-1.4% YoY
82%
AMR $18,676
-0.4% YoY+1.0% QoQ
+$4K $14,963
-6.8% YoY
$21,736
+3.5% YoY
$20,028
-0.9% YoY
72%
CD Concentration 54.6%
+12.0% YoY+1.3% QoQ
+30.1% 24.6% 28.5% 20.0% 50%
Indirect Auto % 0.0% -13.6% 13.6% 6.3% 7.7% 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)

Comparing against 2437 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2437 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.59%
#1 of 2437 Top 0.1% in <100M tier
384
Loan-to-Member Ratio (LMR)
engagement
Value: $8,385
Peer Median: $4,937
#384 of 2437 Top 15.7% in <100M tier
426
Member Growth Rate
growth
Value: 1.73%
Peer Median: -1.37%
#426 of 2437 Top 17.4% in <100M tier
430
Loan-to-Share Ratio
balance_sheet
Value: 81.48%
Peer Median: 58.67%
#430 of 2437 Top 17.6% in <100M tier
520
Members Per Employee (MPE)
engagement
Value: 441.000
Peer Median: 328.333
#520 of 2437 Top 21.3% in <100M tier

Top Weaknesses (4 metrics)

2380
Share Certificate Concentration (%)
balance_sheet
Value: 54.65%
Peer Median: 12.77%
#2380 of 2437 Bottom 2.4% in <100M tier
2206
Efficiency Ratio
profitability
Value: 106.70%
Peer Median: 80.65%
#2206 of 2437 Bottom 9.5% in <100M tier
2084
Net Charge-Off Rate
risk
Value: 0.98%
Peer Median: 0.18%
#2084 of 2437 Bottom 14.5% in <100M tier
2058
Return on Assets (ROA)
profitability
Value: 0.25%
Peer Median: 0.81%
#2058 of 2437 Bottom 15.6% in <100M tier
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