BlastPoint's Credit Union Scorecard
CANYON VIEW
Charter #24710 · UT
CANYON VIEW has 3 strengths but faces 9 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 8.7% in tier
- + AMR Growth Rate: Top 2.3% in tier
- + First Mortgage Concentration (%): Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 5.9% in tier
- - Indirect Auto Dependency: Bottom 6.8% in tier
- - Stagnation Risk: Bottom 10.9% in tier
- - Liquidity Strain: Bottom 19.3% in tier
- - Efficiency Drag: Bottom 27.4% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 6.20% above tier (higher cost structure)
- - Member decline: -8.6% YoY
- - Member Growth Rate: Bottom 5.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
118,336
-8.6% YoY-10.2% QoQ
|
+19.7K |
98,678
-1.9% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$2.1B
+4.8% YoY+1.0% QoQ
|
+$364.5M |
$1.7B
+0.5% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
71% |
| Loans |
$1.7B
+2.8% YoY+2.2% QoQ
|
+$501.6M |
$1.2B
+0.5% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
83% |
| Deposits |
$1.8B
+6.8% YoY+1.4% QoQ
|
+$332.4M |
$1.5B
+1.3% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
73% |
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| ROA |
0.5%
-19.3% YoY+13.1% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
29% |
| NIM |
3.1%
-0.4% YoY+1.6% QoQ
|
-0.2% |
3.3%
+9.3% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
35% |
| Efficiency Ratio |
80.2%
-2.7% YoY-2.4% QoQ
|
+6.2% |
74.0%
-10.9% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.5%
-5.4% YoY-22.6% QoQ
|
-0.3 |
0.8%
+6.1% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
34% |
| Loan To Share |
97.1%
-3.8% YoY+0.7% QoQ
|
+11.9% |
85.2%
-0.8% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
81% |
| AMR |
$29,758
+14.7% YoY+13.3% QoQ
|
+$586 |
$29,172
+2.8% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
63% |
| CD Concentration |
33.1%
+5.6% YoY-0.0% QoQ
|
+4.1% |
29.0%
+0.7% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
70% |
| Indirect Auto % |
30.3%
-5.8% YoY-0.6% QoQ
|
+11.5% |
18.8%
-3.0% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
76% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)