BlastPoint's Credit Union Scorecard
MOUNTAIN AMERICA
Charter #24692 · UT
MOUNTAIN AMERICA has 8 strengths but faces 5 concerns
How does the industry compare?
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 0.0% in tier
- + Organic Growth Engine: Top 31.2% in tier
- + ROA 0.13% above tier average
- + Net Interest Margin 0.73% above tier average
- + Strong member growth: 6.3% YoY
- + Fee Income Per Member: Top 4.8% in tier
- + First Mortgage Concentration (%): Top 4.8% in tier
- + Member Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 54.5% in tier
- - Credit Risk Growth: Bottom 69.2% in tier
- - Credit Quality Pressure: Bottom 73.3% in tier
- - Indirect Auto Dependency: Bottom 100.0% in tier
- - Delinquency rate 0.18% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,406,629
+6.3% YoY+1.8% QoQ
|
-424.7K |
1,831,295
-0.2% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$21.9B
+8.2% YoY+0.5% QoQ
|
$-7.3B |
$29.1B
+3.6% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
67% |
| Loans |
$18.1B
+8.3% YoY+1.7% QoQ
|
$-3.2B |
$21.4B
+2.0% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$19.4B
+8.4% YoY+0.4% QoQ
|
$-5.5B |
$24.9B
+4.3% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
67% |
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| ROA |
0.9%
-9.0% YoY+1.8% QoQ
|
+0.1% |
0.7%
+30.7% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
3.8%
+6.4% YoY+1.0% QoQ
|
+0.7% |
3.1%
+7.9% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Top 14.3% in tier |
| Efficiency Ratio |
59.8%
-3.9% YoY-1.1% QoQ
|
-4.8% |
64.6%
-4.0% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
1.4%
+5.7% YoY+5.6% QoQ
|
+0.2 |
1.2%
+0.3% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
93.6%
-0.1% YoY+1.3% QoQ
|
+4.5% |
89.1%
-2.0% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$26,683
+1.9% YoY-0.7% QoQ
|
$-5K |
$31,580
+8.5% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
33% |
| CD Concentration |
34.0%
-2.1% YoY+0.3% QoQ
|
+2.5% | 31.4% | 28.4% | 19.8% | 57% |
| Indirect Auto % |
17.5%
-25.6% YoY-0.9% QoQ
|
+3.3% | 14.1% | 7.4% | 7.8% | 62% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)