BlastPoint's Credit Union Scorecard

HORIZON UTAH

Charter #24746 · UT

1077 CUs in 100M-500M nationally 13 in UT

HORIZON UTAH faces 9 concerns requiring attention

National Analysis

How does the industry compare?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 17.1% in tier
- Credit Quality Pressure: Bottom 26.5% in tier
- Institutional Decline: Bottom 26.7% in tier
- Stagnation Risk: Bottom 30.7% in tier
- ROA 0.90% below tier average
- Efficiency ratio 2.70% above tier (higher cost structure)
- Delinquency rate 0.55% above tier average
- Member decline: -2.4% YoY
- Net Charge-Off Rate: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	12,380 -2.4% YoY-0.4% QoQ	-3.2K	15,628 -3.4% YoY	76,315 +6.4% YoY	33,089 +6.1% YoY	44%
Assets	$181.5M +0.3% YoY+1.2% QoQ	$-49.8M	$231.3M -0.0% YoY	$1.2B +10.2% YoY	$547.7M +7.8% YoY	44%
Loans	$91.2M -1.7% YoY+0.8% QoQ	$-56.6M	$147.8M -1.4% YoY	$924.9M +10.2% YoY	$388.7M +8.6% YoY	30%
Deposits	$158.2M +0.0% YoY+1.2% QoQ	$-42.1M	$200.3M -0.0% YoY	$1.1B +10.6% YoY	$464.6M +9.3% YoY	45%

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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	-0.1% -216.6% YoY-758.1% QoQ	-0.9%	0.8% +15.5% YoY	0.9% +11.6% YoY	0.7% +273.4% YoY	Bottom 5.8% in tier
NIM	3.3% -2.1% YoY+2.5% QoQ	-0.3%	3.6% +6.9% YoY	3.4% +7.0% YoY	3.7% +5.0% YoY	30%
Efficiency Ratio	80.0% +8.6% YoY+2.0% QoQ	+2.7%	77.3% -3.0% YoY	71.6% -3.7% YoY	79.1% -3.3% YoY	62%
Delinquency Rate	1.4% +2.0% YoY-1.2% QoQ	+0.6	0.9% +7.6% YoY	0.7% +11.8% YoY	1.2% -0.9% YoY	84%
Loan To Share	57.6% -1.7% YoY-0.3% QoQ	-15.1%	72.7% -1.5% YoY	78.2% -2.6% YoY	68.0% -1.7% YoY	18%
AMR	$20,147 +1.9% YoY+1.4% QoQ	$-4K	$24,363 +2.9% YoY	$21,167 +3.5% YoY	$19,418 +1.3% YoY	36%
CD Concentration	18.9% +0.8% YoY-1.1% QoQ	-5.5%	24.4% +4.2% YoY	27.9% +4.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	1.1% -1.3% YoY-2.7% QoQ	-12.8%	14.0% -5.7% YoY	7.4% -10.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Membership Headwinds

decline

#283 of 550 • Bottom 17.1% in tier

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

Why This Signature

Member Growth (YoY): -2.44%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk

#656 of 736 • Bottom 26.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Institutional Decline

decline

#211 of 256 • Bottom 26.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $181.47M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -2.44%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.68%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

Stagnation Risk

risk

#506 of 550 • Bottom 30.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.44%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.68%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.41%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 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 1077 peers in tier

Top Strengths (1 metrics)

222

First Mortgage Concentration (%)

balance_sheet

Value: 15.04%

Peer Avg: -

#222 of 1077 Top 20.5% in 100M-500M tier

Top Weaknesses (8 metrics)

1015

Return on Assets (ROA)

profitability

Value: -0.11%

Peer Avg: -

#1015 of 1077 Bottom 5.8% in 100M-500M tier

982

Net Charge-Off Rate

risk

Value: 1.06%

Peer Avg: -

#982 of 1077 Bottom 8.9% in 100M-500M tier

901

Total Delinquency Rate (60+ days)

risk

Value: 1.41%

Peer Avg: -

#901 of 1077 Bottom 16.4% in 100M-500M tier

882

Loan-to-Share Ratio

balance_sheet

Value: 57.65%

Peer Avg: -

#882 of 1077 Bottom 18.2% in 100M-500M tier

872

Deposit Growth Rate

growth

Value: 0.04%

Peer Avg: -

#872 of 1077 Bottom 19.1% in 100M-500M tier

870

Members Per Employee (MPE)

engagement

Value: 252.653

Peer Avg: -

#870 of 1077 Bottom 19.3% in 100M-500M tier

864

Asset Growth Rate

growth

Value: 0.25%

Peer Avg: -

#864 of 1077 Bottom 19.9% in 100M-500M tier

838

Member Growth Rate

growth

Value: -2.44%

Peer Avg: -

#838 of 1077 Bottom 22.3% in 100M-500M tier