BlastPoint's Credit Union Scorecard

CYPRUS

Charter #24688 · UT

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 5 in UT

View Mid-Market leaderboard →

CYPRUS has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.57% above tier average
+ Strong member growth: 12.8% YoY
+ Member Growth Rate: Top 4.3% in tier
+ Loan-to-Share Ratio: Top 6.3% in tier
+ Total Members: Top 7.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 8.0% in tier
- Indirect Auto Dependency: Bottom 15.1% in tier
- Credit Risk Growth: Bottom 26.1% in tier
- Credit Quality Pressure: Bottom 26.1% in tier
- Shrinking Wallet Share: Bottom 89.2% in tier
- ROA 0.16% below tier average
- Efficiency ratio 2.49% above tier (higher cost structure)

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 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Utah.
Shares and deposits +10.5% year over year ($1.79B in shares and deposits).
Membership: 163,815 members, +12.8% vs a year ago.
Delinquency rate 0.41%.
Return on assets 0.66%.
Efficiency ratio 75.50% vs a 73.02% peer average.
Loan-to-share ratio 104.08% vs a 84.71% 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	163,815 +12.8% YoY+1.0% QoQ	+67.0K	96,861 -1.9% YoY	84,939 +12.5% YoY	34,678 +6.6% YoY	Top 8.0% in tier
Assets	$2.1B +10.7% YoY+0.8% QoQ	+$360.0M	$1.7B +0.4% YoY	$1.4B +17.3% YoY	$593.1M +10.2% YoY	70%
Loans	$1.9B +9.9% YoY+0.8% QoQ	+$633.9M	$1.2B +0.7% YoY	$1.1B +18.0% YoY	$418.6M +10.1% YoY	Top 13.0% in tier
Deposits	$1.8B +10.5% YoY-0.1% QoQ	+$331.6M	$1.5B +0.5% YoY	$1.2B +16.7% YoY	$504.8M +10.3% YoY	73%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% +12.5% YoY+216.3% QoQ	-0.2%	0.8% +27.6% YoY	1.0% +17.0% YoY	1.2% +121.4% YoY	39%
NIM	4.0% +10.0% YoY+3.0% QoQ	+0.6%	3.4% +6.6% YoY	3.4% +1.5% YoY	3.8% +2.3% YoY	Top 14.3% in tier
Efficiency Ratio	75.5% +3.7% YoY-8.2% QoQ	+2.5%	73.0% -2.7% YoY	73.7% +1.7% YoY	83.0% -5.3% YoY	60%
Delinquency Rate	0.4% +56.9% YoY-7.0% QoQ	-0.5	0.9% +7.3% YoY	0.8% +17.2% YoY	1.3% +2.6% YoY	20%
Loan To Share	104.1% -0.5% YoY+0.9% QoQ	+19.4%	84.7% +0.1% YoY	75.6% -3.6% YoY	66.4% -1.4% YoY	Top 6.7% in tier
AMR	$22,361 -2.3% YoY-0.7% QoQ	$-7K	$29,575 +1.5% YoY	$21,736 +3.5% YoY	$20,028 -0.9% YoY	Bottom 14.0% in tier
CD Concentration	34.4% +0.7% YoY+0.7% QoQ	+5.3%	29.1%	28.5%	20.0%	73%
Indirect Auto %	28.5% -2.5% YoY-0.4% QoQ	+10.4%	18.1%	6.3%	7.7%	74%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Liquidity Strain

risk

#16 of 168 • Bottom 8.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 104.08%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 9.91%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Credit Risk Growth

risk

#46 of 170 • Bottom 26.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.91%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#80 of 193 • Bottom 15.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 10.74%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 28.48%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 12.83%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Credit Quality Pressure

risk

#97 of 215 • Bottom 26.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#41 of 69 • Bottom 89.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.33%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | New qualifier

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 300 peers in tier

Top Strengths (10 metrics)

Member Growth Rate

growth

Value: 12.83%

Peer Median: 1.84%

#14 of 300 Top 4.3% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 104.08%

Peer Median: 87.07%

#20 of 300 Top 6.3% in 1B-3B tier

Total Members

engagement

Value: 163,815

Peer Median: 86,516

#24 of 300 Top 7.7% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.87B

Peer Median: $1.14B

#39 of 300 Top 12.7% in 1B-3B tier

Asset Growth Rate

growth

Value: 10.74%

Peer Median: 5.21%

#41 of 300 Top 13.3% in 1B-3B tier

Deposit Growth Rate

growth

Value: 10.51%

Peer Median: 4.79%

#41 of 300 Top 13.3% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.99%

Peer Median: 3.46%

#43 of 300 Top 14.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 19.34%

Peer Median: 33.59%

#50 of 300 Top 16.3% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.41%

Peer Median: 0.70%

#62 of 300 Top 20.3% in 1B-3B tier

Loan Growth Rate

growth

Value: 9.91%

Peer Median: 5.71%

#76 of 300 Top 25.0% in 1B-3B tier

Top Weaknesses (4 metrics)

267

AMR Growth Rate

growth

Value: -2.33%

Peer Median: 3.19%

#267 of 300 Bottom 11.3% in 1B-3B tier

258

Average Member Relationship (AMR)

engagement

Value: $22,361

Peer Median: $28,089

#258 of 300 Bottom 14.3% in 1B-3B tier

229

Share Certificate Concentration (%)

balance_sheet

Value: 34.42%

Peer Median: 28.24%

#229 of 300 Bottom 24.0% in 1B-3B tier

227

Indirect Auto Concentration (%)

balance_sheet

Value: 28.48%

Peer Median: 14.26%

#227 of 300 Bottom 24.7% in 1B-3B tier