BlastPoint's Credit Union Scorecard
GOLDENWEST
Charter #24693 · UT
GOLDENWEST has 10 strengths but faces 5 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 Engine: Top 0.8% in tier
- + Profitability Leader: Top 12.8% in tier
- + Wallet Share Momentum: Top 26.1% in tier
- + Credit Quality Leader: Top 66.0% in tier
- + ROA 0.89% above tier average
- + Net Interest Margin 0.21% above tier average
- + Strong member growth: 6.9% YoY
- + AMR Growth Rate: Top 3.9% in tier
- + Asset Growth Rate: Top 7.9% in tier
- + Loan Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 6.8% in tier
- - Liquidity Strain: Bottom 7.2% in tier
- - Indirect Auto Dependency: Bottom 16.9% in tier
- - Credit Quality Pressure: Bottom 20.3% in tier
- - Members Per Employee (MPE): Bottom 2.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
206,499
+6.9% YoY+1.8% QoQ
|
-32.0K |
238,465
+0.6% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
37% |
| Assets |
$3.9B
+14.2% YoY+3.3% QoQ
|
$-101.8M |
$4.0B
-0.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$3.2B
+21.6% YoY+4.2% QoQ
|
+$172.7M |
$3.0B
+3.3% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$3.3B
+13.8% YoY+3.2% QoQ
|
$-30.8M |
$3.3B
+1.1% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
47% |
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| ROA |
1.6%
+10.7% YoY+0.6% QoQ
|
+0.9% |
0.7%
+5.3% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
Top 2.6% in tier |
| NIM |
3.4%
+6.5% YoY+0.6% QoQ
|
+0.2% |
3.2%
+13.7% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
61.1%
-1.3% YoY-0.4% QoQ
|
-10.1% |
71.3%
-0.6% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
17% |
| Delinquency Rate |
0.3%
+21.7% YoY+7.1% QoQ
|
-0.5 |
0.8%
+15.9% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
17% |
| Loan To Share |
96.6%
+6.9% YoY+0.9% QoQ
|
+5.8% |
90.8%
+2.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
63% |
| AMR |
$31,448
+9.9% YoY+1.8% QoQ
|
+$2K |
$29,088
+0.1% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
72% |
| CD Concentration |
43.9%
+8.6% YoY+3.6% QoQ
|
+14.9% |
29.0%
+0.7% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
Top 6.6% in tier |
| Indirect Auto % |
20.1%
-12.3% YoY-3.8% QoQ
|
+1.4% |
18.8%
-3.0% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
58% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)