BlastPoint's Credit Union Scorecard
VAREX
Charter #24773 · UT
VAREX has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Member decline: -3.3% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,159
-3.3% YoY-0.3% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
32% |
| Assets |
$15.4M
-2.1% YoY-3.3% QoQ
|
$-14.5M |
$29.9M
+1.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$10.1M
+0.7% YoY-2.2% QoQ
|
$-5.7M |
$15.8M
-2.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
51% |
| Deposits |
$12.3M
-3.3% YoY-4.0% QoQ
|
$-13.2M |
$25.5M
+0.4% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
41% |
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| ROA |
0.6%
+351.5% YoY-45.0% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
3.5%
+5.0% YoY-3.8% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
77.2%
-3.5% YoY+8.2% QoQ
|
-4.2% |
81.4%
-2.4% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.1%
-18.9% YoY-67.2% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
22% |
| Loan To Share |
82.3%
+4.1% YoY+1.9% QoQ
|
+21.1% |
61.2%
-3.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$19,294
+1.8% YoY-2.9% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
76% |
| CD Concentration |
16.1%
+31.4% YoY+7.7% QoQ
|
-8.3% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)