BlastPoint's Credit Union Scorecard
CANYON VIEW
Charter #24710 · UT
CANYON VIEW has 3 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 4.9% in tier
- + AMR Growth Rate: Top 1.7% in tier
- + First Mortgage Concentration (%): Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 15.5% in tier
- - Liquidity Strain: Bottom 24.2% in tier
- - Indirect Auto Dependency: Bottom 32.8% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.17% below tier average
- - Efficiency ratio 4.41% above tier (higher cost structure)
- - Member decline: -9.6% YoY
- - Member Growth Rate: Bottom 5.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
116,466
-9.6% YoY-1.6% QoQ
|
+19.0K |
97,431
-2.4% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$2.1B
+4.6% YoY+1.4% QoQ
|
+$390.5M |
$1.7B
+0.9% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$1.8B
+8.4% YoY+3.7% QoQ
|
+$564.0M |
$1.2B
+0.5% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
Top 14.6% in tier |
| Deposits |
$1.8B
+5.8% YoY+1.3% QoQ
|
+$351.1M |
$1.5B
+0.9% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
0.5%
+5.6% YoY+12.9% QoQ
|
-0.2% |
0.7%
+20.9% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
3.1%
+1.1% YoY+1.0% QoQ
|
-0.2% |
3.3%
+9.2% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
36% |
| Efficiency Ratio |
78.5%
-6.9% YoY-2.1% QoQ
|
+4.4% |
74.1%
-9.5% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.8%
-24.9% YoY+53.6% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
99.3%
+2.5% YoY+2.3% QoQ
|
+14.5% |
84.8%
-0.8% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
Top 13.6% in tier |
| AMR |
$30,987
+18.5% YoY+4.1% QoQ
|
+$2K |
$29,428
+2.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
65% |
| CD Concentration |
33.3%
+4.1% YoY+0.8% QoQ
|
+4.3% | 29.0% | 28.4% | 19.8% | 70% |
| Indirect Auto % |
31.8%
+4.5% YoY+5.0% QoQ
|
+13.5% | 18.3% | 7.4% | 7.8% | 79% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)