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 5.2% in tier
- + Total Assets: Top 7.8% 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 0.26% below tier average
- - Efficiency ratio 5.62% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Utah.
- Shares and deposits +7.2% year over year ($387M in shares and deposits).
- Membership: 25,905 members, +0.4% vs a year ago.
- Delinquency rate 0.34%.
- Return on assets 0.61%.
- Efficiency ratio 82.35% vs a 76.73% peer average.
- Loan-to-share ratio 60.69% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,905
+0.4% YoY+0.6% QoQ
|
+10.7K |
15,168
-2.6% YoY
|
84,939
+12.5% YoY
|
34,678
+6.6% YoY
|
Top 10.6% in tier |
| Assets |
$424.5M
+7.3% YoY+0.7% QoQ
|
+$192.5M |
$232.0M
+0.7% YoY
|
$1.4B
+17.3% YoY
|
$593.1M
+10.2% YoY
|
Top 7.9% in tier |
| Loans |
$235.1M
+4.9% YoY+1.2% QoQ
|
+$88.8M |
$146.3M
+0.2% YoY
|
$1.1B
+18.0% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$387.3M
+7.2% YoY+0.5% QoQ
|
+$186.6M |
$200.7M
+0.2% YoY
|
$1.2B
+16.7% YoY
|
$504.8M
+10.3% YoY
|
Top 5.3% in tier |
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| ROA |
0.6%
-1.5% YoY+177.6% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.0%
+17.0% YoY
|
1.2%
+121.4% YoY
|
37% |
| NIM |
3.1%
+10.6% YoY+0.8% QoQ
|
-0.6% |
3.7%
+4.5% YoY
|
3.4%
+1.5% YoY
|
3.8%
+2.3% YoY
|
18% |
| Efficiency Ratio |
82.4%
+0.8% YoY-7.9% QoQ
|
+5.6% |
76.7%
-0.8% YoY
|
73.7%
+1.7% YoY
|
83.0%
-5.3% YoY
|
66% |
| Delinquency Rate |
0.3%
-21.0% YoY-9.6% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
0.8%
+17.2% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
60.7%
-2.2% YoY+0.7% QoQ
|
-10.9% |
71.5%
-0.3% YoY
|
75.6%
-3.6% YoY
|
66.4%
-1.4% YoY
|
27% |
| AMR |
$24,025
+5.9% YoY+0.2% QoQ
|
$-1K |
$25,107
+3.2% YoY
|
$21,736
+3.5% YoY
|
$20,028
-0.9% YoY
|
56% |
| CD Concentration |
27.6%
+5.5% YoY+4.1% QoQ
|
+3.0% | 24.6% | 28.5% | 20.0% | 50% |
| Indirect Auto % |
17.7%
-11.7% YoY+2.7% QoQ
|
+4.1% | 13.6% | 6.3% | 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)