BlastPoint's Credit Union Scorecard

HORIZON UTAH

Charter #24746 · UT

100M-500M

1070 CUs in 100M-500M nationally 12 in UT

HORIZON UTAH faces 8 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

- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 1.37% below tier average
- Efficiency ratio 16.79% above tier (higher cost structure)
- Net Charge-Off Rate: Bottom 4.0% in tier
- Net Interest Margin (NIM): Bottom 8.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	12,367 -1.2% YoY+0.0% QoQ	-2.8K	15,145 -2.5% YoY	80,723 +8.1% YoY	33,913 +5.7% YoY	46%
Assets	$186.7M +3.1% YoY+1.0% QoQ	$-45.0M	$231.7M +0.8% YoY	$1.3B +11.9% YoY	$578.3M +9.0% YoY	46%
Loans	$89.8M -3.6% YoY-1.1% QoQ	$-54.4M	$144.1M +0.2% YoY	$985.7M +12.1% YoY	$402.4M +8.7% YoY	31%
Deposits	$163.6M +3.3% YoY+1.5% QoQ	$-37.5M	$201.1M +0.4% YoY	$1.1B +11.5% YoY	$494.3M +9.1% YoY	47%

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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	-0.6% +47.0% YoY	-1.4%	0.7% +5.1% YoY	0.4% -49.8% YoY	0.4% -39.2% YoY	Bottom 2.1% in tier
NIM	2.8% -9.9% YoY-15.0% QoQ	-0.9%	3.6% +4.6% YoY	3.4% +1.0% YoY	3.8% +4.1% YoY	Bottom 8.0% in tier
Efficiency Ratio	94.8% +16.0% YoY+18.3% QoQ	+16.8%	78.0% -1.7% YoY	74.1% +0.8% YoY	84.6% +2.8% YoY	Bottom 5.8% in tier
Delinquency Rate	0.7% -55.2% YoY-51.9% QoQ	+0.0	0.8% +7.1% YoY	0.7% +20.4% YoY	1.2% +3.4% YoY	60%
Loan To Share	54.9% -6.6% YoY-2.6% QoQ	-15.6%	70.4% -0.4% YoY	75.0% -3.9% YoY	65.6% -1.4% YoY	18%
AMR	$20,490 +1.9% YoY+0.5% QoQ	$-4K	$24,918 +2.7% YoY	$21,837 +4.8% YoY	$19,920 +1.6% YoY	35%
CD Concentration	18.6% +0.0% YoY-1.1% QoQ	-5.7%	24.3%	28.4%	19.8%	50%
Indirect Auto %	1.1% -3.0% YoY+0.0% QoQ	-12.7%	13.8%	7.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#31 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 94.82%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.20% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.15%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Stagnation Risk

risk

#284 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.15%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.61%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.73%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#198 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $186.66M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -1.15%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.61%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Membership Headwinds

decline

#471 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -1.15%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (1 metrics)

251

First Mortgage Concentration (%)

balance_sheet

Value: 16.42%

Peer Median: 29.47%

#251 of 1070 Top 23.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1048

Return on Assets (ROA)

profitability

Value: -0.64%

Peer Median: 0.69%

#1048 of 1070 Bottom 2.1% in 100M-500M tier

1028

Net Charge-Off Rate

risk

Value: 1.50%

Peer Median: 0.35%

#1028 of 1070 Bottom 4.0% in 100M-500M tier

1009

Efficiency Ratio

profitability

Value: 94.82%

Peer Median: 78.68%

#1009 of 1070 Bottom 5.8% in 100M-500M tier

984

Net Interest Margin (NIM)

profitability

Value: 2.77%

Peer Median: 3.62%

#984 of 1070 Bottom 8.1% in 100M-500M tier

915

Loan Growth Rate

growth

Value: -3.61%

Peer Median: 2.93%

#915 of 1070 Bottom 14.6% in 100M-500M tier

879

Loan-to-Share Ratio

balance_sheet

Value: 54.87%

Peer Median: 71.88%

#879 of 1070 Bottom 17.9% in 100M-500M tier