BlastPoint's Credit Union Scorecard
EASTERN UTAH COMMUNITY
Charter #24709 · UT
EASTERN UTAH COMMUNITY has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.15% above tier average
- + Deposit Growth Rate: Top 5.8% in tier
- + Asset Growth Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Delinquency rate 0.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,689
+1.7% YoY+0.5% QoQ
|
-2.5K |
15,145
-2.5% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
47% |
| Assets |
$224.5M
+11.2% YoY+1.4% QoQ
|
$-7.2M |
$231.7M
+0.8% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
58% |
| Loans |
$127.3M
-1.1% YoY-0.2% QoQ
|
$-16.9M |
$144.1M
+0.2% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
53% |
| Deposits |
$193.4M
+11.5% YoY+1.4% QoQ
|
$-7.7M |
$201.1M
+0.4% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
57% |
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| ROA |
0.9%
-6.8% YoY-29.9% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
62% |
| NIM |
3.5%
-6.6% YoY-2.5% QoQ
|
-0.2% |
3.6%
+4.6% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
40% |
| Efficiency Ratio |
71.6%
+1.7% YoY+6.6% QoQ
|
-6.5% |
78.0%
-1.7% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
27% |
| Delinquency Rate |
0.9%
+152.4% YoY+5.0% QoQ
|
+0.1 |
0.8%
+7.1% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
72% |
| Loan To Share |
65.8%
-11.3% YoY-1.6% QoQ
|
-4.6% |
70.4%
-0.4% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
38% |
| AMR |
$25,272
+4.4% YoY+0.2% QoQ
|
+$353 |
$24,918
+2.7% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
63% |
| CD Concentration |
34.9%
+4.8% YoY-1.2% QoQ
|
+10.6% | 24.3% | 28.4% | 19.8% | 50% |
| Indirect Auto % |
20.4%
-1.6% YoY-3.1% QoQ
|
+6.6% | 13.8% | 7.1% | 7.7% | 50% |
Signature Analysis
Strengths (1)
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 (2)
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)