BlastPoint's Credit Union Scorecard

NEW HEIGHTS

Charter #24763 · UT

<100M
2508 CUs in <100M nationally 29 in UT

NEW HEIGHTS has 2 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.31% above tier average
  • + AMR Growth Rate: Top 4.7% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -16.1% YoY
  • - Member Growth Rate: Bottom 2.8% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Members 2,173
-16.1% YoY-1.6% QoQ
-503 2,676
+1.6% YoY
80,723
+8.1% YoY
33,913
+5.7% YoY
56%
Assets $28.2M
-2.8% YoY-0.4% QoQ
$-2.0M $30.2M
+1.3% YoY
$1.3B
+11.9% YoY
$578.3M
+9.0% YoY
57%
Loans $11.7M
-3.4% YoY-4.0% QoQ
$-3.6M $15.3M
-2.0% YoY
$985.7M
+12.1% YoY
$402.4M
+8.7% YoY
55%
Deposits $24.1M
-3.9% YoY-0.7% QoQ
$-1.7M $25.8M
+0.7% YoY
$1.1B
+11.5% YoY
$494.3M
+9.1% YoY
58%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.5%
-0.8% YoY-11.9% QoQ
+0.3% 0.1%
-77.6% YoY
0.4%
-49.8% YoY
0.4%
-39.2% YoY
42%
NIM 2.9%
+27.7% YoY+16.2% QoQ
-1.1% 4.0%
+4.0% YoY
3.4%
+1.0% YoY
3.8%
+4.1% YoY
17%
Efficiency Ratio 71.8%
-12.0% YoY-9.7% QoQ
-18.8% 90.6%
+6.5% YoY
74.1%
+0.8% YoY
84.6%
+2.8% YoY
28%
Delinquency Rate 0.1%
-54.6% YoY-55.6% QoQ
-1.4 1.5%
+3.8% YoY
0.7%
+20.4% YoY
1.2%
+3.4% YoY
25%
Loan To Share 48.4%
+0.4% YoY-3.3% QoQ
-10.1% 58.5%
-3.0% YoY
75.0%
-3.9% YoY
65.6%
-1.4% YoY
34%
AMR $16,464
+14.8% YoY-0.2% QoQ
+$2K $14,884
-1.7% YoY
$21,837
+4.8% YoY
$19,920
+1.6% YoY
63%
CD Concentration 22.4%
+1.1% YoY-1.5% QoQ
-1.9% 24.3% 28.4% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 7.1% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
119
AMR Growth Rate
growth
Value: 14.76%
Peer Median: 1.27%
#119 of 2508 Top 4.7% in <100M tier
628
Total Delinquency Rate (60+ days)
risk
Value: 0.14%
Peer Median: 0.65%
#628 of 2508 Top 25.0% in <100M tier

Top Weaknesses (6 metrics)

2439
Member Growth Rate
growth
Value: -16.10%
Peer Median: -1.37%
#2439 of 2508 Bottom 2.8% in <100M tier
2082
Net Interest Margin (NIM)
profitability
Value: 2.94%
Peer Median: 3.83%
#2082 of 2508 Bottom 17.0% in <100M tier
2053
Net Charge-Off Rate
risk
Value: 0.79%
Peer Median: 0.07%
#2053 of 2508 Bottom 18.2% in <100M tier
2053
First Mortgage Concentration (%)
balance_sheet
Value: 33.22%
Peer Median: 3.66%
#2053 of 2508 Bottom 18.2% in <100M tier
1924
Deposit Growth Rate
growth
Value: -3.85%
Peer Median: 0.66%
#1924 of 2508 Bottom 23.3% in <100M tier
1916
Asset Growth Rate
growth
Value: -2.77%
Peer Median: 1.30%
#1916 of 2508 Bottom 23.6% in <100M tier
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