BlastPoint's Credit Union Scorecard
WASATCH PEAKS
Charter #24780 · UT
WASATCH PEAKS has 7 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does UT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 34.5% in tier
- + Organic Growth Leader: Top 55.5% in tier
- + Organic Growth Engine: Top 65.7% in tier
- + Wallet Share Momentum: Top 70.7% in tier
- + ROA 0.07% above tier average
- + Loan-to-Share Ratio: Top 3.0% in tier
- + Loan-to-Member Ratio (LMR): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.9% in tier
- - Net Interest Margin (NIM): Bottom 5.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,776
+2.3% YoY+0.4% QoQ
|
-6.8K |
38,575
-4.8% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$632.1M
+7.3% YoY-0.8% QoQ
|
+$10.4M |
$621.7M
+0.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$530.7M
+9.1% YoY-0.1% QoQ
|
+$100.9M |
$429.8M
-1.8% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$517.6M
+8.9% YoY-0.1% QoQ
|
$-21.1M |
$538.7M
+0.6% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
0.7%
+0.1% YoY+11.4% QoQ
|
+0.1% |
0.7%
+42.9% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
2.5%
+6.0% YoY+1.6% QoQ
|
-0.9% |
3.4%
+8.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.8% in tier |
| Efficiency Ratio |
77.3%
-1.1% YoY-2.7% QoQ
|
-0.2% |
77.5%
-4.1% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.3%
-33.3% YoY-12.6% QoQ
|
-0.6 |
0.8%
-1.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 10.9% in tier |
| Loan To Share |
102.5%
+0.2% YoY+0.1% QoQ
|
+22.7% |
79.8%
-2.3% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
Top 3.6% in tier |
| AMR |
$32,992
+6.6% YoY-0.5% QoQ
|
+$6K |
$26,849
+2.7% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
83% |
| CD Concentration |
37.3%
-4.0% YoY-0.3% QoQ
|
+12.9% | 24.4% | 28.4% | 19.8% | Top 10.6% in tier |
| Indirect Auto % |
7.8%
+8.9% YoY-1.6% QoQ
|
-5.9% | 13.8% | 7.4% | 7.8% | 49% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)