BlastPoint's Credit Union Scorecard

WASATCH PEAKS

Charter #24780 · UT

Community 500M-750M

169 CUs in 500M-750M nationally 1 in UT

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WASATCH PEAKS has 6 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 19.5% in tier
+ Organic Growth Engine: Top 24.8% in tier
+ Relationship Depth Leader: Top 42.6% in tier
+ Credit Quality Leader: Top 74.0% in tier
+ Wallet Share Momentum: Top 82.7% in tier
+ Loan-to-Share Ratio: Top 3.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 4.4% in tier
- Credit Risk Growth: Bottom 21.6% in tier
- Credit Quality Pressure: Bottom 24.3% in tier
- ROA 0.00% below tier average
- Efficiency ratio 1.34% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 5.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	31,660 +2.0% YoY+0.7% QoQ	-8.1K	39,752 -2.7% YoY	76,315 +6.4% YoY	33,089 +6.1% YoY	23%
Assets	$637.2M +4.4% YoY+4.5% QoQ	+$14.8M	$622.4M +0.3% YoY	$1.2B +10.2% YoY	$547.7M +7.8% YoY	56%
Loans	$531.3M +6.8% YoY+2.1% QoQ	+$95.3M	$435.9M -0.4% YoY	$924.9M +10.2% YoY	$388.7M +8.6% YoY	79%
Deposits	$518.4M +8.9% YoY+4.9% QoQ	$-19.7M	$538.0M +1.3% YoY	$1.1B +10.6% YoY	$464.6M +9.3% YoY	40%

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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	0.7% -8.1% YoY+12.4% QoQ	-0.0%	0.7% +33.9% YoY	0.9% +11.6% YoY	0.7% +273.4% YoY	54%
NIM	2.5% +7.0% YoY+1.3% QoQ	-0.9%	3.4% +8.6% YoY	3.4% +7.0% YoY	3.7% +5.0% YoY	Bottom 4.7% in tier
Efficiency Ratio	79.4% +1.0% YoY-2.3% QoQ	+1.3%	78.1% -3.4% YoY	71.6% -3.7% YoY	79.1% -3.3% YoY	56%
Delinquency Rate	0.3% +18.7% YoY+27.1% QoQ	-0.5	0.8% -4.9% YoY	0.7% +11.8% YoY	1.2% -0.9% YoY	17%
Loan To Share	102.5% -1.9% YoY-2.7% QoQ	+21.5%	81.0% -1.8% YoY	78.2% -2.6% YoY	68.0% -1.7% YoY	Top 4.1% in tier
AMR	$33,153 +5.7% YoY+2.8% QoQ	+$7K	$26,482 +2.6% YoY	$21,167 +3.5% YoY	$19,418 +1.3% YoY	Top 14.8% in tier
CD Concentration	37.4% -0.6% YoY-3.4% QoQ	+13.0%	24.4% +4.2% YoY	27.9% +4.6% YoY	19.6% +6.2% YoY	Top 11.1% in tier
Indirect Auto %	8.0% +7.4% YoY+5.9% QoQ	-6.0%	14.0% -5.7% YoY	7.4% -10.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Organic Growth Leader

growth

#258 of 430 • Top 19.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.02%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 7.98%

(Tier: 13.97%, National: 7.90%)

better than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#455 of 603 • Top 24.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.02%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.66%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 7.98%

(Tier: 13.97%, National: 7.90%)

better than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Relationship Depth Leader

growth

#110 of 257 • Top 42.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.70%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $2.5K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Credit Quality Leader

growth

#252 of 340 • Top 74.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.31%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#398 of 481 • Top 82.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.70%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (3)

Liquidity Strain

risk

#35 of 258 • Bottom 4.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 102.49%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 6.80%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Credit Risk Growth

risk

#324 of 446 • Bottom 21.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.80%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk

#603 of 736 • Bottom 24.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

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 169 peers in tier

Top Strengths (8 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 102.49%

Peer Avg: -

#7 of 169 Top 3.6% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,780

Peer Avg: -

#18 of 169 Top 10.1% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.13%

Peer Avg: -

#23 of 169 Top 13.0% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $33,153

Peer Avg: -

#25 of 169 Top 14.2% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Avg: -

#29 of 169 Top 16.6% in 500M-750M tier

Deposit Growth Rate

growth

Value: 8.92%

Peer Avg: -

#33 of 169 Top 18.9% in 500M-750M tier

Total Loans

balance_sheet

Value: $531.26M

Peer Avg: -

#35 of 169 Top 20.1% in 500M-750M tier

Fee Income Per Member

profitability

Value: $245.46

Peer Avg: -

#38 of 169 Top 21.9% in 500M-750M tier

Top Weaknesses (3 metrics)

161

Net Interest Margin (NIM)

profitability

Value: 2.49%

Peer Avg: -

#161 of 169 Bottom 5.3% in 500M-750M tier

152

Share Certificate Concentration (%)

balance_sheet

Value: 37.41%

Peer Avg: -

#152 of 169 Bottom 10.7% in 500M-750M tier

130

Total Members

engagement

Value: 31,660

Peer Avg: -

#130 of 169 Bottom 23.7% in 500M-750M tier