BlastPoint's Credit Union Scorecard
GOLDENWEST
Charter #24693 · UT
GOLDENWEST has 10 strengths but faces 3 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 2.4% in tier
- + Organic Growth Leader: Top 23.4% in tier
- + Wallet Share Momentum: Top 32.8% in tier
- + ROA 0.95% above tier average
- + Net Interest Margin 0.26% above tier average
- + Strong member growth: 6.7% YoY
- + Loan Growth Rate: Top 5.3% in tier
- + Efficiency Ratio: Top 6.6% in tier
- + Fee Income Per Member: Top 7.9% in tier
- + AMR Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 16.4% in tier
- - Indirect Auto Dependency: Bottom 54.9% in tier
- - Members Per Employee (MPE): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
208,088
+6.7% YoY+0.8% QoQ
|
-22.3K |
230,353
-2.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$4.0B
+14.3% YoY+2.2% QoQ
|
+$11.1M |
$3.9B
+0.3% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$3.3B
+18.8% YoY+3.0% QoQ
|
+$351.4M |
$2.9B
-0.2% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$3.4B
+14.2% YoY+2.1% QoQ
|
+$60.6M |
$3.3B
-0.3% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
1.7%
+15.7% YoY+2.3% QoQ
|
+1.0% |
0.7%
+16.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
Top 1.3% in tier |
| NIM |
3.4%
+7.9% YoY-0.3% QoQ
|
+0.3% |
3.1%
+9.8% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
58.8%
-4.8% YoY-3.9% QoQ
|
-12.6% |
71.4%
-1.4% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.6% in tier |
| Delinquency Rate |
0.4%
-29.5% YoY+6.6% QoQ
|
-0.5 |
0.9%
+5.8% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
17% |
| Loan To Share |
97.5%
+4.0% YoY+0.9% QoQ
|
+8.6% |
88.9%
-0.2% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$31,996
+9.1% YoY+1.7% QoQ
|
+$2K |
$29,682
+1.5% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
71% |
| CD Concentration |
43.8%
+6.0% YoY-0.2% QoQ
|
+14.8% | 29.0% | 28.4% | 19.8% | Top 6.4% in tier |
| Indirect Auto % |
19.2%
-12.0% YoY-4.6% QoQ
|
+0.9% | 18.3% | 7.4% | 7.8% | 57% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
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.
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)