BlastPoint's Credit Union Scorecard
EASTERN UTAH COMMUNITY
Charter #24709 · UT
EASTERN UTAH COMMUNITY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 54.9% in tier
- + Emerging Performer: Top 68.5% in tier
- + ROA 0.49% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 24.6% in tier
- - Credit Quality Pressure: Bottom 41.0% in tier
- - Indirect Auto Dependency: Bottom 42.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,623
+1.5% YoY+0.1% QoQ
|
-2.8K |
15,437
-2.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$221.4M
+10.4% YoY+0.9% QoQ
|
$-10.5M |
$231.9M
+1.3% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$127.6M
+0.4% YoY-0.7% QoQ
|
$-19.8M |
$147.3M
-0.1% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$190.7M
+10.4% YoY+0.6% QoQ
|
$-10.1M |
$200.8M
+0.8% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
1.2%
-19.5% YoY+1.8% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
3.6%
+0.3% YoY-1.3% QoQ
|
-0.0% |
3.6%
+6.7% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
67.1%
+6.6% YoY+0.4% QoQ
|
-9.9% |
77.0%
-3.1% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.9%
+42.0% YoY-2.5% QoQ
|
-0.0 |
0.9%
+4.2% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
66.9%
-9.1% YoY-1.2% QoQ
|
-5.3% |
72.2%
-1.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$25,211
+4.6% YoY-0.0% QoQ
|
+$535 |
$24,676
+3.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
35.3%
+6.9% YoY+4.8% QoQ
|
+10.9% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % |
21.1%
-0.3% YoY+0.7% QoQ
|
+7.3% | 13.8% | 7.4% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)