BlastPoint's Credit Union Scorecard
HORIZON UTAH
Charter #24746 · UT
HORIZON UTAH faces 7 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 0.72% below tier average
- - Efficiency ratio 3.11% above tier (higher cost structure)
- - Delinquency rate 0.63% above tier average
- - Net Charge-Off Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,362
-1.8% YoY-0.1% QoQ
|
-3.1K |
15,437
-2.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$184.8M
+3.1% YoY+1.8% QoQ
|
$-47.1M |
$231.9M
+1.3% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$90.8M
+1.1% YoY-0.4% QoQ
|
$-56.5M |
$147.3M
-0.1% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$161.2M
+3.2% YoY+1.9% QoQ
|
$-39.6M |
$200.8M
+0.8% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
0.0%
-138.5% QoQ
|
-0.7% |
0.8%
+18.2% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.6% in tier |
| NIM |
3.3%
-2.2% YoY-0.2% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
80.1%
+5.5% YoY+0.2% QoQ
|
+3.1% |
77.0%
-3.1% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
1.5%
-11.2% YoY+7.6% QoQ
|
+0.6 |
0.9%
+4.2% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.1% in tier |
| Loan To Share |
56.3%
-2.1% YoY-2.3% QoQ
|
-15.9% |
72.2%
-1.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$20,386
+4.3% YoY+1.2% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
18.8%
+1.6% YoY-0.5% QoQ
|
-5.6% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % |
1.1%
-14.4% YoY-5.4% QoQ
|
-12.7% | 13.8% | 7.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)