BlastPoint's Credit Union Scorecard
UTILITY EMPLOYEES
Charter #1851 · WA
UTILITY EMPLOYEES has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Deposit Growth Rate: Bottom 5.0% in tier
- - Asset Growth Rate: Bottom 5.3% in tier
- - AMR Growth Rate: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
378
+3.0% YoY+3.6% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 10.2% in tier |
| Assets |
$3.2M
-9.5% YoY-11.0% QoQ
|
$-26.9M |
$30.1M
+2.1% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.7% in tier |
| Loans |
$1.9M
-1.4% YoY-6.7% QoQ
|
$-13.8M |
$15.8M
-1.3% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$2.6M
-11.8% YoY-13.0% QoQ
|
$-23.1M |
$25.7M
+1.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.9% in tier |
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| ROA |
0.3%
-38.6% YoY-61.3% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
3.2%
+17.4% YoY+5.7% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
82.0%
-2.6% YoY+5.7% QoQ
|
-0.6% |
82.6%
-2.3% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
0.5%
+7.8% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
73.9%
+11.8% YoY+7.3% QoQ
|
+13.2% |
60.6%
-3.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$11,920
-10.4% YoY-13.5% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
25.2%
-18.2% YoY-5.4% QoQ
|
+0.8% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 16.8% | 7.8% | 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)