BlastPoint's Credit Union Scorecard
MOUNTAIN AMERICA
Charter #24692 · UT
MOUNTAIN AMERICA has 3 strengths but faces 5 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.68% above tier average
- + Strong member growth: 5.8% YoY
- + First Mortgage Concentration (%): Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 41.7% in tier
- - Liquidity Strain: Bottom 41.7% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 58.3% in tier
- - Delinquency rate 0.12% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,433,256
+5.8% YoY+1.9% QoQ
|
-279.4K |
1,712,610
-8.0% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
67% |
| Assets |
$22.7B
+6.7% YoY+3.6% QoQ
|
$-5.5B |
$28.2B
-3.2% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
67% |
| Loans |
$18.4B
+8.1% YoY+1.6% QoQ
|
$-1.7B |
$20.2B
-4.4% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
71% |
| Deposits |
$20.1B
+6.3% YoY+3.9% QoQ
|
$-3.9B |
$24.1B
-2.9% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
67% |
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| ROA |
0.9%
-7.3% YoY+1.2% QoQ
|
+0.0% |
0.9%
+31.5% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
54% |
| NIM |
3.9%
+3.1% YoY+0.6% QoQ
|
+0.7% |
3.2%
+4.6% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
Top 12.5% in tier |
| Efficiency Ratio |
61.2%
-1.1% YoY+2.3% QoQ
|
-2.6% |
63.9%
-3.7% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
42% |
| Delinquency Rate |
1.0%
+7.1% YoY-24.9% QoQ
|
+0.1 |
0.9%
-6.9% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
58% |
| Loan To Share |
91.6%
+1.7% YoY-2.2% QoQ
|
+5.6% |
86.0%
-3.3% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$26,910
+1.3% YoY+0.9% QoQ
|
$-5K |
$32,099
+9.5% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
33% |
| CD Concentration |
33.8%
-4.0% YoY-0.4% QoQ
|
+3.6% | 30.2% | 28.4% | 19.8% | 67% |
| Indirect Auto % |
17.6%
-25.1% YoY+0.4% QoQ
|
+2.6% | 14.9% | 7.1% | 7.7% | 62% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)