BlastPoint's Credit Union Scorecard

EASTERN UTAH COMMUNITY

Charter #24709 ยท UT

1077 CUs in 100M-500M nationally 13 in UT

EASTERN UTAH COMMUNITY has 5 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 20.5% in tier
  • + Emerging Performer: Top 72.1% in tier
  • + Profitability Leader: Top 77.6% in tier
  • + ROA 0.44% above tier average
  • + Net Interest Margin 0.02% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 7.6% in tier
  • - Credit Quality Pressure: Bottom 9.0% in tier
  • - Indirect Auto Dependency: Bottom 15.6% in tier
  • - Delinquency rate 0.04% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Members 12,611
+1.4% YoY+0.5% QoQ
-3.0K 15,628
-3.4% YoY
76,315
+6.4% YoY
33,089
+6.1% YoY
45%
Assets $219.5M
+7.9% YoY+2.7% QoQ
$-11.8M $231.3M
-0.0% YoY
$1.2B
+10.2% YoY
$547.7M
+7.8% YoY
56%
Loans $128.4M
-0.4% YoY+1.0% QoQ
$-19.4M $147.8M
-1.4% YoY
$924.9M
+10.2% YoY
$388.7M
+8.6% YoY
52%
Deposits $189.6M
+7.5% YoY+2.8% QoQ
$-10.7M $200.3M
-0.0% YoY
$1.1B
+10.6% YoY
$464.6M
+9.3% YoY
56%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.2%
-22.5% YoY+6.7% QoQ
+0.4% 0.8%
+15.5% YoY
0.9%
+11.6% YoY
0.7%
+273.4% YoY
79%
NIM 3.6%
+3.1% YoY-2.7% QoQ
+0.0% 3.6%
+6.9% YoY
3.4%
+7.0% YoY
3.7%
+5.0% YoY
51%
Efficiency Ratio 66.8%
+7.0% YoY-0.9% QoQ
-10.4% 77.3%
-3.0% YoY
71.6%
-3.7% YoY
79.1%
-3.3% YoY
18%
Delinquency Rate 0.9%
+64.4% YoY+0.2% QoQ
+0.0 0.9%
+7.6% YoY
0.7%
+11.8% YoY
1.2%
-0.9% YoY
65%
Loan To Share 67.7%
-7.4% YoY-1.7% QoQ
-5.0% 72.7%
-1.5% YoY
78.2%
-2.6% YoY
68.0%
-1.7% YoY
36%
AMR $25,220
+2.7% YoY+1.6% QoQ
+$856 $24,363
+2.9% YoY
$21,167
+3.5% YoY
$19,418
+1.3% YoY
66%
CD Concentration 33.7%
+6.1% YoY+1.2% QoQ
+9.3% 24.4%
+4.2% YoY
27.9%
+4.6% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 20.9%
+3.7% YoY-3.1% QoQ
+6.9% 14.0%
-5.7% YoY
7.4%
-10.5% YoY
7.9%
-2.9% YoY
50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#376 of 603 โ€ข Top 20.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.42%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.23%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 20.92%
(Tier: 13.97%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
โ†’ Stable (608โ†’603 CUs) -5 CUs YoY

Emerging Performer

growth
#138 of 191 โ€ข Top 72.1% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 1.23%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 1.42%
(Tier: 0.88%, National: 9.37%)
better than tier avg
191 of 1077 Community CUs have this signature | 288 nationally
โ†‘ Growing +20 CUs YoY | New qualifier

Profitability Leader

growth
#264 of 340 โ€ข Top 77.6% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature
Return on Assets: 1.23%
(Tier: 0.77%, National: 0.71%)
better than tier avg
ROA Change (YoY): -0.36% points
(Tier: 0.11% points, National: 0.05% points)
but worse than tier avg
340 of 1077 Community CUs have this signature | 457 nationally
โ†’ Stable (341โ†’340 CUs) -1 CUs YoY | Rank worsening

Concerns (3)

Margin Compression

decline
#33 of 136 โ€ข Bottom 7.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.23%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA (Prior Year): 1.58%
(Tier: 0.66%, National: 0.67%)
but better than tier avg
ROA Change (YoY): -0.36% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
โ†“ Shrinking -43 CUs YoY | New qualifier

Credit Quality Pressure

risk
#224 of 736 โ€ข Bottom 9.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.35% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
โ†“ Shrinking -199 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#251 of 525 โ€ข Bottom 15.6% in tier

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

Why This Signature
Asset Growth (YoY): 7.86%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 20.92%
(Tier: 13.97%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.42%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
โ†“ Shrinking -18 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (4 metrics)

194
Efficiency Ratio
profitability
Value: 66.85%
Peer Avg: -
#194 of 1077 Top 17.9% in 100M-500M tier
221
Asset Growth Rate
growth
Value: 7.86%
Peer Avg: -
#221 of 1077 Top 20.4% in 100M-500M tier
223
Return on Assets (ROA)
profitability
Value: 1.23%
Peer Avg: -
#223 of 1077 Top 20.6% in 100M-500M tier
233
Deposit Growth Rate
growth
Value: 7.52%
Peer Avg: -
#233 of 1077 Top 21.5% in 100M-500M tier

Top Weaknesses (1 metrics)

881
Share Certificate Concentration (%)
balance_sheet
Value: 33.68%
Peer Avg: -
#881 of 1077 Bottom 18.3% in 100M-500M tier
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