BlastPoint's Credit Union Scorecard

WASATCH PEAKS

Charter #24780 · UT

Community 500M-750M

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

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WASATCH PEAKS has 8 strengths but faces 3 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

+ Relationship Depth Leader: Top 28.1% in tier
+ Wallet Share Momentum: Top 28.1% in tier
+ Organic Growth Leader: Top 31.3% in tier
+ Organic Growth Engine: Top 31.3% in tier
+ Total Delinquency Rate (60+ days): Top 1.8% in tier
+ Loan-to-Share Ratio: Top 3.6% in tier
+ Deposit Growth Rate: Top 9.1% in tier
+ Total Loans: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 2.9% in tier
- Efficiency ratio 0.92% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 7.9% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 1 that size in Utah.
Shares and deposits +10.5% year over year ($546M in shares and deposits).
Membership: 32,043 members, +1.9% vs a year ago.
Delinquency rate 0.10%.
Return on assets 0.79%.
Efficiency ratio 77.48% vs a 76.56% peer average.
Loan-to-share ratio 101.09% vs a 79.33% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	32,043 +1.9% YoY+0.2% QoQ	-5.9K	37,897 -5.0% YoY	84,939 +12.5% YoY	34,678 +6.6% YoY	28%
Assets	$658.4M +8.0% YoY+0.0% QoQ	+$36.0M	$622.4M +0.6% YoY	$1.4B +17.3% YoY	$593.1M +10.2% YoY	64%
Loans	$551.9M +6.1% YoY+2.0% QoQ	+$123.4M	$428.5M -0.7% YoY	$1.1B +18.0% YoY	$418.6M +10.1% YoY	Top 9.7% in tier
Deposits	$545.9M +10.5% YoY+0.8% QoQ	+$6.2M	$539.8M +0.9% YoY	$1.2B +16.7% YoY	$504.8M +10.3% YoY	53%

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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	0.8% +35.6% YoY-12.1% QoQ	+0.0%	0.8% +39.5% YoY	1.0% +17.0% YoY	1.2% +121.4% YoY	55%
NIM	2.7% +11.4% YoY+3.2% QoQ	-0.8%	3.5% +5.0% YoY	3.4% +1.5% YoY	3.8% +2.3% YoY	Bottom 7.3% in tier
Efficiency Ratio	77.5% -4.7% YoY+2.0% QoQ	+0.9%	76.6% -3.6% YoY	73.7% +1.7% YoY	83.0% -5.3% YoY	50%
Delinquency Rate	0.1% -59.3% YoY-17.1% QoQ	-0.7	0.8% +3.1% YoY	0.8% +17.2% YoY	1.3% +2.6% YoY	Top 1.8% in tier
Loan To Share	101.1% -4.0% YoY+1.2% QoQ	+21.8%	79.3% -1.4% YoY	75.6% -3.6% YoY	66.4% -1.4% YoY	Top 4.2% in tier
AMR	$34,262 +6.2% YoY+1.1% QoQ	+$7K	$27,294 +4.1% YoY	$21,736 +3.5% YoY	$20,028 -0.9% YoY	84%
CD Concentration	35.2% -9.1% YoY-1.9% QoQ	+10.7%	24.6%	28.5%	20.0%	84%
Indirect Auto %	7.3% -2.5% YoY-5.5% QoQ	-6.3%	13.6%	6.3%	7.7%	49%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#103 of 262 • Top 28.1% 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): 6.20%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $2.5K

(Tier: $2.9K, National: $2.1K)

but worse than tier avg

262 of 276 Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Organic Growth Leader

growth

#226 of 342 • Top 31.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.90%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 7.35%

(Tier: 13.63%, National: 7.71%)

better than tier avg

485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Wallet Share Momentum

growth

#362 of 483 • Top 28.1% in tier

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

Why This Signature

AMR Growth (YoY): 6.20%

(Tier: 3.97%, National: 35.20%)

better than tier avg

635 nationally

↑ Growing +52 CUs YoY | New qualifier

Organic Growth Engine

growth

#280 of 344 • Top 31.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.90%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.79%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 7.35%

(Tier: 13.63%, National: 7.71%)

better than tier avg

490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Concerns (1)

Liquidity Strain

risk

#40 of 224 • Bottom 2.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 101.09%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 6.06%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 276 Community CUs have this signature | 432 nationally

↓ Shrinking -11 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 165 peers in tier

Top Strengths (8 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Median: 0.70%

#4 of 165 Top 1.8% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 101.09%

Peer Median: 81.50%

#7 of 165 Top 3.6% in 500M-750M tier

Deposit Growth Rate

growth

Value: 10.48%

Peer Median: 4.04%

#16 of 165 Top 9.1% in 500M-750M tier

Total Loans

balance_sheet

Value: $551.91M

Peer Median: $428.72M

#16 of 165 Top 9.1% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,224

Peer Median: $11,477

#17 of 165 Top 9.7% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.13%

Peer Median: 0.41%

#23 of 165 Top 13.3% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $34,262

Peer Median: $25,725

#26 of 165 Top 15.2% in 500M-750M tier

Asset Growth Rate

growth

Value: 7.98%

Peer Median: 4.61%

#41 of 165 Top 24.2% in 500M-750M tier

Top Weaknesses (2 metrics)

153

Net Interest Margin (NIM)

profitability

Value: 2.74%

Peer Median: 3.55%

#153 of 165 Bottom 7.9% in 500M-750M tier

135

Share Certificate Concentration (%)

balance_sheet

Value: 35.21%

Peer Median: 26.69%

#135 of 165 Bottom 18.8% in 500M-750M tier