BlastPoint's Credit Union Scorecard
JORDAN
Charter #24698 · UT
JORDAN has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Total Deposits: Top 5.0% in tier
- + Total Assets: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.51% below tier average
- - Efficiency ratio 11.39% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,750
+0.1% YoY+0.3% QoQ
|
+10.6K |
15,145
-2.5% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
Top 10.8% in tier |
| Assets |
$421.4M
+7.9% YoY+1.7% QoQ
|
+$189.7M |
$231.7M
+0.8% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
Top 8.4% in tier |
| Loans |
$232.3M
+7.1% YoY+0.7% QoQ
|
+$88.2M |
$144.1M
+0.2% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
84% |
| Deposits |
$385.3M
+7.8% YoY+1.9% QoQ
|
+$184.2M |
$201.1M
+0.4% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
Top 5.1% in tier |
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| ROA |
0.2%
-61.3% YoY-33.7% QoQ
|
-0.5% |
0.7%
+5.1% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
18% |
| NIM |
3.1%
+12.7% YoY+9.3% QoQ
|
-0.5% |
3.6%
+4.6% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
19% |
| Efficiency Ratio |
89.4%
+6.9% YoY+3.1% QoQ
|
+11.4% |
78.0%
-1.7% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
84% |
| Delinquency Rate |
0.4%
-14.3% YoY-22.5% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
28% |
| Loan To Share |
60.3%
-0.7% YoY-1.2% QoQ
|
-10.1% |
70.4%
-0.4% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
28% |
| AMR |
$23,986
+7.5% YoY+1.2% QoQ
|
$-932 |
$24,918
+2.7% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
56% |
| CD Concentration |
26.5%
+11.9% YoY-0.6% QoQ
|
+2.2% | 24.3% | 28.4% | 19.8% | 50% |
| Indirect Auto % |
17.2%
-22.4% YoY-0.9% QoQ
|
+3.4% | 13.8% | 7.1% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)