CANYON VIEW

Charter #24710 | UT

1B-3B (304 CUs) Mid-Market (380 CUs)
5 1B-3B in UT

CANYON VIEW has 4 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 1.4% in tier
  • + Relationship Depth Leader: Top 6.9% 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
 70th in tier
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
 71st in tier
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
 Top 17.4% in tier
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
 73rd in tier
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
 29th in tier
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
 35th in tier
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
 73rd in tier
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
 34th in tier
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
 Top 19.1% in tier
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
 63rd in tier
CD Concentration 33.1%
+5.6% YoY-0.0% QoQ
 +4.1% 29.0%
+0.8% YoY
 27.9%
+4.6% YoY
 19.6%
+6.2% YoY
 70th in tier
Indirect Auto % 30.3%
-5.8% YoY-0.6% QoQ
 +11.5% 18.8%
-2.8% YoY
 7.4%
-10.5% YoY
 7.9%
-2.9% YoY
 Top 23.7% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#11 of 264 • Top 1.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 14.70%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#51 of 264 • Top 6.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 14.70%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.7K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline
#15 of 85 • Bottom 5.9% in tier

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

Why This Signature
Member Growth (YoY): -8.63%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#43 of 202 • Bottom 6.8% in tier

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

Why This Signature
Asset Growth (YoY): 4.82%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 30.28%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -8.63%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Stagnation Risk

risk
#27 of 85 • Bottom 10.9% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.46%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -8.63%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $29.8K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 33.06%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Liquidity Strain

risk
#102 of 183 • Bottom 19.3% in tier

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

Why This Signature
Loan-to-Share Ratio: 97.09%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 2.78%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Efficiency Drag

risk
#91 of 96 • Bottom 27.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.18%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.11% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -8.63%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY

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)

Comparing against 304 peers in tier

Top Strengths (5 metrics)

8
AMR Growth Rate
growth
Value: 14.70%
Peer Avg: 3.29%
#8 of 304 Top 2.3% in 1B-3B tier
19
First Mortgage Concentration (%)
balance_sheet
Value: 14.18%
Peer Avg: 34.01%
#19 of 304 Top 5.9% in 1B-3B tier
53
Total Loans
balance_sheet
Value: $1.73B
Peer Avg: $1.23B
#53 of 304 Top 17.1% in 1B-3B tier
58
Loan-to-Share Ratio
balance_sheet
Value: 97.09%
Peer Avg: 85.19%
#58 of 304 Top 18.8% in 1B-3B tier
66
Net Charge-Off Rate
risk
Value: 0.28%
Peer Avg: 0.60%
#66 of 304 Top 21.4% in 1B-3B tier

Top Weaknesses (4 metrics)

288
Member Growth Rate
growth
Value: -8.63%
Peer Avg: 2.20%
#288 of 304 Bottom 5.6% in 1B-3B tier
265
Members Per Employee (MPE)
engagement
Value: 279.754
Peer Avg: 364.953
#265 of 304 Bottom 13.2% in 1B-3B tier
236
Indirect Auto Concentration (%)
balance_sheet
Value: 30.28%
Peer Avg: 18.32%
#236 of 304 Bottom 22.7% in 1B-3B tier
231
Net Worth Ratio
risk
Value: 9.67%
Peer Avg: 11.44%
#231 of 304 Bottom 24.3% in 1B-3B tier