BlastPoint's Credit Union Scorecard
UTILITY EMPLOYEES
Charter #1851 · WA
UTILITY EMPLOYEES has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.48% above tier average
Key Concerns
Areas that may need attention
- - Deposit Growth Rate: Bottom 3.4% in tier
- - Asset Growth Rate: Bottom 3.7% in tier
- - AMR Growth Rate: Bottom 7.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
377
+2.2% YoY-0.3% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
Bottom 10.2% in tier |
| Assets |
$3.2M
-11.2% YoY+0.1% QoQ
|
$-27.0M |
$30.2M
+1.3% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.5% in tier |
| Loans |
$2.0M
+2.0% YoY+3.3% QoQ
|
$-13.3M |
$15.3M
-2.0% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$2.6M
-14.0% YoY-0.1% QoQ
|
$-23.2M |
$25.8M
+0.7% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.7% in tier |
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| ROA |
1.6%
+42.0% YoY+480.5% QoQ
|
+1.5% |
0.1%
-77.6% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
Top 12.5% in tier |
| NIM |
4.0%
+34.1% YoY+26.2% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
59% |
| Efficiency Ratio |
61.2%
-4.1% YoY-25.4% QoQ
|
-29.5% |
90.6%
+6.5% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
Top 13.3% in tier |
| Delinquency Rate |
0.6%
+13.9% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
48% |
| Loan To Share |
76.4%
+18.6% YoY+3.4% QoQ
|
+17.9% |
58.5%
-3.0% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
77% |
| AMR |
$12,109
-9.7% YoY+1.6% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
39% |
| CD Concentration |
29.1%
-5.8% YoY+15.4% QoQ
|
+4.8% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 16.1% | 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)