WASATCH PEAKS

Charter #24780 | UT

500M-750M (169 CUs) Community (281 CUs)
1 500M-750M in UT

WASATCH PEAKS has 5 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 14.4% in tier
  • + Relationship Depth Leader: Top 16.8% in tier
  • + Organic Growth Leader: Top 19.5% in tier
  • + Organic Growth Engine: Top 24.8% 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
  • - Growth-at-Risk: 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
 Bottom 23.1% in tier
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
 56th in tier
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
 Top 20.7% in tier
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
 40th in tier
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
 54th in tier
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
 56th in tier
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
 Bottom 16.6% in tier
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 11.0% in tier
Indirect Auto % 8.0%
+7.4% YoY+5.9% QoQ
 -6.0% 14.0%
-5.8% YoY
 7.4%
-10.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth
#398 of 1006 • Top 14.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.70%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#464 of 1006 • Top 16.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

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
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Leader

growth
#258 of 430 • Top 19.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.02%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 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: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 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: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Growth-at-Risk

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: 3.64%, 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
446 of 281 Community CUs have this signature | 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
736 of 281 Community CUs have this signature | 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)

Comparing against 169 peers in tier

Top Strengths (8 metrics)

7
Loan-to-Share Ratio
balance_sheet
Value: 102.49%
Peer Avg: 81.02%
#7 of 169 Top 3.6% in 500M-750M tier
18
Loan-to-Member Ratio (LMR)
engagement
Value: $16,780
Peer Avg: $11,805
#18 of 169 Top 10.1% in 500M-750M tier
23
Net Charge-Off Rate
risk
Value: 0.13%
Peer Avg: 0.51%
#23 of 169 Top 13.0% in 500M-750M tier
25
Average Member Relationship (AMR)
engagement
Value: $33,153
Peer Avg: $26,482
#25 of 169 Top 14.2% in 500M-750M tier
29
Total Delinquency Rate (60+ days)
risk
Value: 0.31%
Peer Avg: 0.80%
#29 of 169 Top 16.6% in 500M-750M tier
33
Deposit Growth Rate
growth
Value: 8.92%
Peer Avg: 5.25%
#33 of 169 Top 18.9% in 500M-750M tier
35
Total Loans
balance_sheet
Value: $531.26M
Peer Avg: $435.95M
#35 of 169 Top 20.1% in 500M-750M tier
38
Fee Income Per Member
profitability
Value: $245.46
Peer Avg: $199.27
#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: 3.43%
#161 of 169 Bottom 5.3% in 500M-750M tier
152
Share Certificate Concentration (%)
balance_sheet
Value: 37.41%
Peer Avg: 26.87%
#152 of 169 Bottom 10.7% in 500M-750M tier
130
Total Members
engagement
Value: 31,660
Peer Avg: 39,752
#130 of 169 Bottom 23.7% in 500M-750M tier