BlastPoint's Credit Union Scorecard

CANYON VIEW

Charter #24710 · UT

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 5 in UT

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CANYON VIEW has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 2.6% in tier
+ AMR Growth Rate: Top 2.3% in tier
+ First Mortgage Concentration (%): Top 7.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 21.1% in tier
- Credit Risk Growth: Bottom 48.2% in tier
- Credit Quality Pressure: Bottom 54.5% in tier
- Indirect Auto Dependency: Bottom 60.8% in tier
- Membership Headwinds: Bottom 98.2% in tier
- Stagnation Risk: Bottom 98.2% in tier
- ROA 0.13% below tier average
- Efficiency ratio 0.51% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	115,569 -11.3% YoY-0.8% QoQ	+19.5K	96,048 -2.7% YoY	80,723 +8.1% YoY	33,913 +5.7% YoY	72%
Assets	$2.1B +4.0% YoY+1.3% QoQ	+$421.8M	$1.7B +0.4% YoY	$1.3B +11.9% YoY	$578.3M +9.0% YoY	74%
Loans	$1.8B +6.2% YoY-2.3% QoQ	+$544.2M	$1.2B +0.2% YoY	$985.7M +12.1% YoY	$402.4M +8.7% YoY	84%
Deposits	$1.8B +4.8% YoY+1.8% QoQ	+$377.8M	$1.5B +0.5% YoY	$1.1B +11.5% YoY	$494.3M +9.1% YoY	76%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +49.0% YoY+14.2% QoQ	-0.1%	0.7% +27.6% YoY	0.4% -49.8% YoY	0.4% -39.2% YoY	44%
NIM	3.2% +6.2% YoY+1.5% QoQ	-0.2%	3.4% +6.2% YoY	3.4% +1.0% YoY	3.8% +4.1% YoY	36%
Efficiency Ratio	75.1% -8.8% YoY-4.2% QoQ	+0.5%	74.6% -3.0% YoY	74.1% +0.8% YoY	84.6% +2.8% YoY	50%
Delinquency Rate	0.8% +2.0% YoY+3.0% QoQ	+0.1	0.8% +6.9% YoY	0.7% +20.4% YoY	1.2% +3.4% YoY	71%
Loan To Share	95.4% +1.3% YoY-4.0% QoQ	+12.2%	83.2% -0.4% YoY	75.0% -3.9% YoY	65.6% -1.4% YoY	81%
AMR	$31,161 +18.9% YoY+0.6% QoQ	+$2K	$29,652 +2.3% YoY	$21,837 +4.8% YoY	$19,920 +1.6% YoY	66%
CD Concentration	33.2% +3.0% YoY-0.3% QoQ	+4.4%	28.8%	28.4%	19.8%	70%
Indirect Auto %	31.0% +1.7% YoY-2.5% QoQ	+12.9%	18.1%	7.1%	7.7%	79%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#10 of 125 • Top 2.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 18.93%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (6)

Membership Headwinds

decline

#8 of 91 • Bottom 98.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -11.31%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Stagnation Risk

risk

#20 of 91 • Bottom 98.2% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -11.31%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 6.18%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.85%

(Tier: 0.75%, National: 1.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Indirect Auto Dependency

risk

#66 of 198 • Bottom 60.8% in tier

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

Why This Signature

Asset Growth (YoY): 4.02%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 31.00%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -11.31%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Liquidity Strain

risk

#83 of 148 • Bottom 21.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 95.37%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 6.18%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Credit Risk Growth

risk

#160 of 183 • Bottom 48.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.18%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#207 of 225 • Bottom 54.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (6 metrics)

AMR Growth Rate

growth

Value: 18.93%

Peer Median: 3.15%

#8 of 306 Top 2.3% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 14.35%

Peer Median: 33.05%

#24 of 306 Top 7.5% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.76B

Peer Median: $1.11B

#50 of 306 Top 16.0% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.37%

Peer Median: 85.31%

#57 of 306 Top 18.3% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,211

Peer Median: $12,733

#74 of 306 Top 23.9% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.84B

Peer Median: $1.31B

#75 of 306 Top 24.2% in 1B-3B tier

Top Weaknesses (4 metrics)

300

Member Growth Rate

growth

Value: -11.31%

Peer Median: 2.03%

#300 of 306 Bottom 2.3% in 1B-3B tier

264

Members Per Employee (MPE)

engagement

Value: 275.821

Peer Median: 345.077

#264 of 306 Bottom 14.1% in 1B-3B tier

246

Indirect Auto Concentration (%)

balance_sheet

Value: 31.00%

Peer Median: 13.86%

#246 of 306 Bottom 19.9% in 1B-3B tier

231

Net Worth Ratio

risk

Value: 9.65%

Peer Median: 10.85%

#231 of 306 Bottom 24.8% in 1B-3B tier