BlastPoint's Credit Union Scorecard

WASATCH PEAKS

Charter #24780 · UT

Community 500M-750M

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

View Community leaderboard →

WASATCH PEAKS has 8 strengths but faces 2 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 20.1% in tier
+ Wallet Share Momentum: Top 20.1% in tier
+ Organic Growth Leader: Top 23.4% in tier
+ Organic Growth Engine: Top 23.4% in tier
+ ROA 0.22% above tier average
+ Total Delinquency Rate (60+ days): Top 3.0% in tier
+ Loan-to-Share Ratio: Top 3.0% in tier
+ Loan-to-Member Ratio (LMR): Top 9.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 2.4% in tier
- Net Interest Margin (NIM): Bottom 6.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	31,964 +2.7% YoY+0.6% QoQ	-6.1K	38,079 -4.8% YoY	80,723 +8.1% YoY	33,913 +5.7% YoY	29%
Assets	$658.2M +8.4% YoY+4.1% QoQ	+$38.6M	$619.7M -0.2% YoY	$1.3B +11.9% YoY	$578.3M +9.0% YoY	65%
Loans	$541.1M +10.0% YoY+2.0% QoQ	+$121.8M	$419.3M -1.4% YoY	$985.7M +12.1% YoY	$402.4M +8.7% YoY	Top 12.6% in tier
Deposits	$541.8M +10.0% YoY+4.7% QoQ	+$2.3M	$539.5M -0.1% YoY	$1.1B +11.5% YoY	$494.3M +9.1% YoY	48%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +74.5% YoY+23.3% QoQ	+0.2%	0.7% +36.0% YoY	0.4% -49.8% YoY	0.4% -39.2% YoY	68%
NIM	2.7% +10.6% YoY+4.8% QoQ	-0.8%	3.5% +4.5% YoY	3.4% +1.0% YoY	3.8% +4.1% YoY	Bottom 6.0% in tier
Efficiency Ratio	76.0% -9.3% YoY-1.8% QoQ	-2.4%	78.4% -3.7% YoY	74.1% +0.8% YoY	84.6% +2.8% YoY	36%
Delinquency Rate	0.1% -41.0% YoY-55.8% QoQ	-0.6	0.7% -0.9% YoY	0.7% +20.4% YoY	1.2% +3.4% YoY	Top 3.0% in tier
Loan To Share	99.9% -0.0% YoY-2.6% QoQ	+22.2%	77.7% -1.2% YoY	75.0% -3.9% YoY	65.6% -1.4% YoY	Top 3.6% in tier
AMR	$33,880 +7.1% YoY+2.7% QoQ	+$7K	$26,927 +3.1% YoY	$21,837 +4.8% YoY	$19,920 +1.6% YoY	84%
CD Concentration	35.9% -6.0% YoY-3.7% QoQ	+11.6%	24.3%	28.4%	19.8%	Top 13.0% in tier
Indirect Auto %	7.8% +8.8% YoY-1.0% QoQ	-6.0%	13.8%	7.1%	7.7%	49%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#73 of 257 • Top 20.1% 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): 7.08%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $2.5K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Organic Growth Leader

growth

#178 of 371 • Top 23.4% in tier

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

Why This Signature

Member Growth (YoY): 2.73%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 7.77%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Wallet Share Momentum

growth

#268 of 491 • Top 20.1% in tier

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

Why This Signature

AMR Growth (YoY): 7.08%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Organic Growth Engine

growth

#201 of 352 • Top 23.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.73%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.90%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 7.77%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk

#17 of 183 • Bottom 2.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 99.87%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 9.99%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 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 167 peers in tier

Top Strengths (12 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Median: 0.62%

#6 of 167 Top 3.0% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 99.87%

Peer Median: 79.97%

#6 of 167 Top 3.0% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,929

Peer Median: $11,231

#16 of 167 Top 9.0% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.10%

Peer Median: 0.39%

#19 of 167 Top 10.8% in 500M-750M tier

Deposit Growth Rate

growth

Value: 10.01%

Peer Median: 4.02%

#21 of 167 Top 12.0% in 500M-750M tier

Total Loans

balance_sheet

Value: $541.11M

Peer Median: $427.27M

#21 of 167 Top 12.0% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $33,880

Peer Median: $25,600

#27 of 167 Top 15.6% in 500M-750M tier

Loan Growth Rate

growth

Value: 9.99%

Peer Median: 4.25%

#28 of 167 Top 16.2% in 500M-750M tier

Fee Income Per Member

profitability

Value: $261.14

Peer Median: $178.80

#29 of 167 Top 16.8% in 500M-750M tier

AMR Growth Rate

growth

Value: 7.08%

Peer Median: 4.03%

#36 of 167 Top 21.0% in 500M-750M tier

Top Weaknesses (2 metrics)

157

Net Interest Margin (NIM)

profitability

Value: 2.65%

Peer Median: 3.48%

#157 of 167 Bottom 6.6% in 500M-750M tier

146

Share Certificate Concentration (%)

balance_sheet

Value: 35.89%

Peer Median: 26.29%

#146 of 167 Bottom 13.2% in 500M-750M tier