BlastPoint's Credit Union Scorecard
MOUNTAIN AMERICA
Charter #24692 · UT
MOUNTAIN AMERICA has 3 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does UT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.68% above tier average
- + Strong member growth: 7.3% YoY
- + First Mortgage Concentration (%): Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 40.0% in tier
- - Credit Risk Growth: Bottom 52.0% in tier
- - Indirect Auto Dependency: Bottom 60.0% in tier
- - Credit Quality Pressure: Bottom 76.0% in tier
- - Shrinking Wallet Share: Bottom 84.0% in tier
- - ROA 0.15% below tier average
- - Delinquency rate 0.28% above tier average
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 25 credit unions with $10B+ in assets nationally, and 1 of 2 that size in Utah.
- Shares and deposits +6.0% year over year ($20.3B in shares and deposits).
- Membership: 1,458,467 members, +7.3% vs a year ago.
- Delinquency rate 1.30%.
- Return on assets 0.88%.
- Efficiency ratio 60.74% vs a 61.57% peer average.
- Loan-to-share ratio 92.42% vs a 87.50% 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 |
1,458,467
+7.3% YoY+1.8% QoQ
|
-213.4K |
1,671,910
-4.2% YoY
|
84,939
+12.5% YoY
|
34,678
+6.6% YoY
|
68% |
| Assets |
$22.9B
+6.1% YoY+0.9% QoQ
|
$-4.8B |
$27.7B
+0.2% YoY
|
$1.4B
+17.3% YoY
|
$593.1M
+10.2% YoY
|
68% |
| Loans |
$18.8B
+7.2% YoY+1.8% QoQ
|
$-1.3B |
$20.0B
-0.9% YoY
|
$1.1B
+18.0% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$20.3B
+6.0% YoY+0.9% QoQ
|
$-3.2B |
$23.5B
+0.4% YoY
|
$1.2B
+16.7% YoY
|
$504.8M
+10.3% YoY
|
68% |
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| ROA |
0.9%
+15.8% YoY+0.5% QoQ
|
-0.2% |
1.0%
+45.0% YoY
|
1.0%
+17.0% YoY
|
1.2%
+121.4% YoY
|
44% |
| NIM |
3.9%
+4.8% YoY+1.5% QoQ
|
+0.7% |
3.2%
+5.4% YoY
|
3.4%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Top 12.0% in tier |
| Efficiency Ratio |
60.7%
-1.4% YoY-0.8% QoQ
|
-0.8% |
61.6%
-6.2% YoY
|
73.7%
+1.7% YoY
|
83.0%
-5.3% YoY
|
44% |
| Delinquency Rate |
1.3%
+0.9% YoY+26.4% QoQ
|
+0.3 |
1.0%
-2.7% YoY
|
0.8%
+17.2% YoY
|
1.3%
+2.6% YoY
|
72% |
| Loan To Share |
92.4%
+1.2% YoY+0.9% QoQ
|
+4.9% |
87.5%
-3.0% YoY
|
75.6%
-3.6% YoY
|
66.4%
-1.4% YoY
|
60% |
| AMR |
$26,786
-0.7% YoY-0.5% QoQ
|
$-6K |
$32,850
+5.7% YoY
|
$21,736
+3.5% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
34.1%
-1.8% YoY+0.7% QoQ
|
+3.9% | 30.2% | 28.5% | 20.0% | 68% |
| Indirect Auto % |
17.9%
+2.5% YoY+2.2% QoQ
|
+3.0% | 15.0% | 6.3% | 7.7% | 60% |
Signature Analysis
Strengths (0)
Concerns (5)
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)