GOLDENWEST

Charter #24693 | UT

3B-5B (76 CUs) Mid-Market (380 CUs)
2 3B-5B in UT

GOLDENWEST has 9 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 0.8% in tier
  • + Wallet Share Momentum: Top 4.2% in tier
  • + Relationship Depth Leader: Top 12.7% 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

  • - Growth-at-Risk: 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
  • - Liquidity Overhang: Bottom 27.7% 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
 37th in tier
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
 46th in tier
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
 62nd in tier
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
 47th in tier
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
 58th in tier
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
 Bottom 17.1% in tier
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
 Bottom 17.1% in tier
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
 63rd in tier
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
 72nd in tier
CD Concentration 43.9%
+8.6% YoY+3.6% QoQ
 +14.9% 29.0%
+0.8% 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%
-2.8% YoY
 7.4%
-10.5% YoY
 7.9%
-2.9% YoY
 58th in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#7 of 246 • Top 0.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.90%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.63%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 20.15%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Wallet Share Momentum

growth
#31 of 264 • Top 4.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 9.90%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Relationship Depth Leader

growth
#93 of 264 • Top 12.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 9.90%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY

Concerns (5)

Growth-at-Risk

risk
#39 of 161 • Bottom 6.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 21.59%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.06% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Liquidity Strain

risk
#39 of 183 • Bottom 7.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 96.65%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 21.59%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#105 of 202 • Bottom 16.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 14.23%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 20.15%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 6.90%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Credit Quality Pressure

risk
#156 of 217 • Bottom 20.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.06% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Liquidity Overhang

risk
#90 of 113 • Bottom 27.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.03%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 96.65%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

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)

Comparing against 76 peers in tier

Top Strengths (13 metrics)

2
Return on Assets (ROA)
profitability
Value: 1.63%
Peer Avg: 0.75%
#2 of 76 Top 1.3% in 3B-5B tier
4
AMR Growth Rate
growth
Value: 9.90%
Peer Avg: 2.07%
#4 of 76 Top 3.9% in 3B-5B tier
7
Asset Growth Rate
growth
Value: 14.23%
Peer Avg: 7.42%
#7 of 76 Top 7.9% in 3B-5B tier
7
Loan Growth Rate
growth
Value: 21.59%
Peer Avg: 9.56%
#7 of 76 Top 7.9% in 3B-5B tier
9
Deposit Growth Rate
growth
Value: 13.76%
Peer Avg: 8.84%
#9 of 76 Top 10.5% in 3B-5B tier
10
Fee Income Per Member
profitability
Value: $262.84
Peer Avg: $191.96
#10 of 76 Top 11.8% in 3B-5B tier
10
Net Worth Ratio
risk
Value: 13.03%
Peer Avg: 10.75%
#10 of 76 Top 11.8% in 3B-5B tier
11
Net Charge-Off Rate
risk
Value: 0.20%
Peer Avg: 0.64%
#11 of 76 Top 13.2% in 3B-5B tier
12
First Mortgage Concentration (%)
balance_sheet
Value: 17.53%
Peer Avg: 34.35%
#12 of 76 Top 14.5% in 3B-5B tier
14
Efficiency Ratio
profitability
Value: 61.14%
Peer Avg: 71.26%
#14 of 76 Top 17.1% in 3B-5B tier

Top Weaknesses (2 metrics)

75
Members Per Employee (MPE)
engagement
Value: 262.388
Peer Avg: 433.941
#75 of 76 Bottom 2.6% in 3B-5B tier
68
Share Certificate Concentration (%)
balance_sheet
Value: 43.91%
Peer Avg: 30.70%
#68 of 76 Bottom 11.8% in 3B-5B tier