BlastPoint's Credit Union Scorecard
MOUNTAIN AMERICA
Charter #24692 · UT
MOUNTAIN AMERICA has 7 strengths but faces 6 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
- + Organic Growth Leader: Top 2.9% in tier
- + Organic Growth Engine: Top 9.3% in tier
- + ROA 0.08% above tier average
- + Net Interest Margin 0.70% above tier average
- + Strong member growth: 6.6% YoY
- + First Mortgage Concentration (%): Top 4.8% in tier
- + Fee Income Per Member: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 0.0% in tier
- - Liquidity Strain: Bottom 18.8% in tier
- - Credit Risk Growth: Bottom 19.5% in tier
- - Credit Quality Pressure: Bottom 21.6% in tier
- - Indirect Auto Dependency: Bottom 24.0% in tier
- - Delinquency rate 0.12% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,381,693
+6.6% YoY+1.6% QoQ
|
-440.7K |
1,822,416
+4.1% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
67% |
| Assets |
$21.7B
+7.3% YoY+1.0% QoQ
|
$-7.0B |
$28.7B
+4.2% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
67% |
| Loans |
$17.8B
+9.0% YoY+1.9% QoQ
|
$-3.3B |
$21.1B
+5.8% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
71% |
| Deposits |
$19.3B
+8.5% YoY+0.7% QoQ
|
$-5.1B |
$24.4B
+7.2% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
67% |
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| ROA |
0.8%
-15.7% YoY+11.8% QoQ
|
+0.1% |
0.8%
+17.7% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
62% |
| NIM |
3.8%
+5.2% YoY+1.6% QoQ
|
+0.7% |
3.1%
+10.6% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Top 14.3% in tier |
| Efficiency Ratio |
60.5%
-1.9% YoY-1.8% QoQ
|
-3.8% |
64.3%
-4.3% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
1.3%
+3.8% YoY+0.6% QoQ
|
+0.1 |
1.2%
+9.7% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
92.4%
+0.5% YoY+1.2% QoQ
|
+2.6% |
89.8%
-0.3% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
62% |
| AMR |
$26,880
+2.0% YoY-0.3% QoQ
|
$-4K |
$31,184
+7.8% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
33% |
| CD Concentration |
33.8%
-2.0% YoY-2.5% QoQ
|
+1.9% |
31.9%
+2.0% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
52% |
| Indirect Auto % |
17.6%
-25.6% YoY+0.8% QoQ
|
+3.4% |
14.2%
-8.9% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
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 (5)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)