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 0.05% below tier average
- - Member decline: -3.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,162
-3.1% YoY+0.3% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$16.8M
+6.5% YoY+9.3% QoQ
|
$-13.3M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$9.7M
-4.8% YoY-4.3% QoQ
|
$-6.1M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$13.7M
+7.4% YoY+11.4% QoQ
|
$-12.0M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
0.6%
+132.6% YoY-1.4% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
3.5%
+0.3% YoY-1.8% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
79.1%
-2.4% YoY+2.5% QoQ
|
-3.4% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.1%
-15.0% YoY-0.9% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
70.6%
-11.4% YoY-14.2% QoQ
|
+10.0% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
65% |
| AMR |
$20,075
+5.3% YoY+4.0% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
79% |
| CD Concentration |
14.1%
+10.3% YoY-12.8% QoQ
|
-10.4% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.8% | 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)