BlastPoint's Credit Union Scorecard
JORDAN
Charter #24698 · UT
JORDAN has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 35.2% in tier
- + Total Deposits: Top 6.0% in tier
- + Total Assets: Top 9.0% in tier
- + Deposit Growth Rate: Top 9.2% in tier
- + Asset Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 11.4% in tier
- - Indirect Auto Dependency: Bottom 46.5% in tier
- - Credit Risk Growth: Bottom 87.2% in tier
- - Credit Quality Pressure: Bottom 97.7% in tier
- - ROA 0.43% below tier average
- - Efficiency ratio 9.74% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,680
-0.2% YoY-0.4% QoQ
|
+10.2K |
15,437
-2.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
Top 11.5% in tier |
| Assets |
$414.4M
+10.8% YoY+2.2% QoQ
|
+$182.5M |
$231.9M
+1.3% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
Top 9.1% in tier |
| Loans |
$230.8M
+5.8% YoY+1.7% QoQ
|
+$83.4M |
$147.3M
-0.1% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$378.1M
+10.8% YoY+2.4% QoQ
|
+$177.3M |
$200.8M
+0.8% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
Top 6.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
+80.6% YoY-4.1% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
2.8%
+4.0% YoY-1.5% QoQ
|
-0.8% |
3.6%
+6.7% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.6% in tier |
| Efficiency Ratio |
86.8%
-4.2% YoY-0.4% QoQ
|
+9.7% |
77.0%
-3.1% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.5%
+1.9% YoY-3.8% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
61.0%
-4.5% YoY-0.8% QoQ
|
-11.2% |
72.2%
-1.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$23,708
+9.0% YoY+2.6% QoQ
|
$-968 |
$24,676
+3.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
26.7%
+15.0% YoY-1.2% QoQ
|
+2.2% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % |
17.4%
-25.8% YoY-7.2% QoQ
|
+3.6% | 13.8% | 7.4% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)