BlastPoint's Credit Union Scorecard
EASTERN UTAH COMMUNITY
Charter #24709 · UT
EASTERN UTAH COMMUNITY has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
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 +1.6% year over year ($187M in shares and deposits).
- Membership: 12,669 members, +0.9% vs a year ago.
- Delinquency rate 0.74%.
- Return on assets 1.05%.
- Efficiency ratio 69.29% vs a 76.73% peer average.
- Loan-to-share ratio 68.65% 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 |
12,669
+0.9% YoY-0.2% QoQ
|
-2.5K |
15,168
-2.6% YoY
|
84,939
+12.5% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$219.2M
+2.6% YoY-2.4% QoQ
|
$-12.8M |
$232.0M
+0.7% YoY
|
$1.4B
+17.3% YoY
|
$593.1M
+10.2% YoY
|
56% |
| Loans |
$128.6M
+1.2% YoY+1.1% QoQ
|
$-17.6M |
$146.3M
+0.2% YoY
|
$1.1B
+18.0% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$187.4M
+1.6% YoY-3.1% QoQ
|
$-13.3M |
$200.7M
+0.2% YoY
|
$1.2B
+16.7% YoY
|
$504.8M
+10.3% YoY
|
55% |
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| ROA |
1.0%
-8.8% YoY+19.8% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
1.0%
+17.0% YoY
|
1.2%
+121.4% YoY
|
67% |
| NIM |
3.6%
-2.9% YoY+3.7% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.4%
+1.5% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
69.3%
+2.7% YoY-3.2% QoQ
|
-7.4% |
76.7%
-0.8% YoY
|
73.7%
+1.7% YoY
|
83.0%
-5.3% YoY
|
25% |
| Delinquency Rate |
0.7%
-17.0% YoY-19.1% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
0.8%
+17.2% YoY
|
1.3%
+2.6% YoY
|
53% |
| Loan To Share |
68.7%
-0.4% YoY+4.3% QoQ
|
-2.9% |
71.5%
-0.3% YoY
|
75.6%
-3.6% YoY
|
66.4%
-1.4% YoY
|
41% |
| AMR |
$24,944
+0.5% YoY-1.3% QoQ
|
$-163 |
$25,107
+3.2% YoY
|
$21,736
+3.5% YoY
|
$20,028
-0.9% YoY
|
60% |
| CD Concentration |
34.3%
+3.1% YoY-1.6% QoQ
|
+9.8% | 24.6% | 28.5% | 20.0% | 50% |
| Indirect Auto % |
20.2%
-6.5% YoY-1.2% QoQ
|
+6.6% | 13.6% | 6.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)