BlastPoint's Credit Union Scorecard
UTILITY EMPLOYEES
Charter #1851 · WA
UTILITY EMPLOYEES has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 7.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
365
-0.8% YoY-0.3% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
Bottom 10.0% in tier |
| Assets |
$3.6M
-0.8% YoY-2.3% QoQ
|
$-26.3M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.8% in tier |
| Loans |
$2.1M
+0.8% YoY+4.5% QoQ
|
$-13.7M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
18% |
| Deposits |
$3.0M
-1.7% YoY-3.1% QoQ
|
$-22.5M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
16% |
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| ROA |
0.7%
+54.7% YoY+35.8% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
48% |
| NIM |
3.0%
+20.2% YoY+6.0% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
19% |
| Efficiency Ratio |
77.6%
-6.0% YoY-5.9% QoQ
|
-3.8% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate | 0.5% | -1.0 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
42% |
| Loan To Share |
68.9%
+2.6% YoY+7.8% QoQ
|
+7.6% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
61% |
| AMR |
$13,784
+0.1% YoY+0.1% QoQ
|
$-843 |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
51% |
| CD Concentration |
26.7%
+3.3% YoY+2.6% QoQ
|
+2.3% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
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)