BlastPoint's Credit Union Scorecard

UTAH FIRST

Charter #528 · UT

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 5 in UT

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UTAH FIRST has 14 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Mid-Market 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 Engine: Top 1.0% in tier
+ Organic Growth Leader: Top 3.3% in tier
+ Emerging Performer: Top 8.5% in tier
+ Credit Quality Leader: Top 30.8% in tier
+ Relationship Depth Leader: Top 97.0% in tier
+ ROA 0.27% above tier average
+ Net Interest Margin 0.21% above tier average
+ Strong member growth: 10.1% YoY
+ Loan-to-Member Ratio (LMR): Top 3.6% in tier
+ Member Growth Rate: Top 5.3% in tier
+ Total Delinquency Rate (60+ days): Top 7.2% in tier
+ Average Member Relationship (AMR): Top 7.6% in tier
+ First Mortgage Concentration (%): Top 7.9% in tier
+ Deposit Growth Rate: Top 8.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 4.0% in tier
- Margin Compression: Bottom 24.4% in tier
- Total Members: Bottom 2.3% in tier
- Total Deposits: Bottom 6.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	44,331 +10.1% YoY+3.0% QoQ	-54.3K	98,678 -1.9% YoY	76,315 +6.4% YoY	33,089 +6.1% YoY	Bottom 2.0% in tier
Assets	$1.1B +9.8% YoY+4.9% QoQ	$-584.7M	$1.7B +0.5% YoY	$1.2B +10.2% YoY	$547.7M +7.8% YoY	15%
Loans	$918.0M +10.2% YoY+3.0% QoQ	$-315.0M	$1.2B +0.5% YoY	$924.9M +10.2% YoY	$388.7M +8.6% YoY	29%
Deposits	$901.8M +13.1% YoY+7.7% QoQ	$-552.5M	$1.5B +1.3% YoY	$1.1B +10.6% YoY	$464.6M +9.3% YoY	Bottom 6.6% in tier

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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	1.0% -12.5% YoY+2.2% QoQ	+0.3%	0.7% +13.4% YoY	0.9% +11.6% YoY	0.7% +273.4% YoY	74%
NIM	3.5% +1.2% YoY+0.6% QoQ	+0.2%	3.3% +9.3% YoY	3.4% +7.0% YoY	3.7% +5.0% YoY	63%
Efficiency Ratio	71.7% +4.9% YoY-0.1% QoQ	-2.3%	74.0% -10.9% YoY	71.6% -3.7% YoY	79.1% -3.3% YoY	37%
Delinquency Rate	0.2% -59.1% YoY-24.0% QoQ	-0.6	0.8% +6.1% YoY	0.7% +11.8% YoY	1.2% -0.9% YoY	Bottom 7.2% in tier
Loan To Share	101.8% -2.5% YoY-4.4% QoQ	+16.6%	85.2% -0.8% YoY	78.2% -2.6% YoY	68.0% -1.7% YoY	Top 12.2% in tier
AMR	$41,051 +1.4% YoY+2.3% QoQ	+$12K	$29,172 +2.8% YoY	$21,167 +3.5% YoY	$19,418 +1.3% YoY	Top 7.9% in tier
CD Concentration	22.4% -22.6% YoY-3.3% QoQ	-6.6%	29.0% +0.7% YoY	27.9% +4.6% YoY	19.6% +6.2% YoY	20%
Indirect Auto %	5.0% -26.3% YoY-7.5% QoQ	-13.7%	18.8% -3.0% YoY	7.4% -10.5% YoY	7.9% -2.9% YoY	24%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#8 of 246 • Top 1.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 10.14%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 0.97%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 5.03%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Leader

growth

#14 of 138 • Top 3.3% in tier

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

Why This Signature

Member Growth (YoY): 10.14%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 5.03%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank improving

Emerging Performer

growth

#7 of 72 • Top 8.5% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.97%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Member Growth (YoY): 10.14%

(Tier: 3.18%, National: 9.37%)

better than tier avg

72 of 380 Mid-Market CUs have this signature | 288 nationally

↑ Growing +13 CUs YoY | Rank worsening

Credit Quality Leader

growth

#30 of 95 • Top 30.8% in tier

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

Why This Signature

Delinquency Rate: 0.25%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.36% points

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

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

Relationship Depth Leader

growth

#65 of 67 • Top 97.0% 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): 1.35%

(Tier: 3.04%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $3.0K

(Tier: $3.1K, National: $2.0K)

but worse than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk

#22 of 183 • Bottom 4.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 101.80%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 10.23%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank improving

Margin Compression

decline

#21 of 24 • Bottom 24.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.97%

(Tier: 0.71%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.11%

(Tier: 0.64%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

24 of 380 Mid-Market CUs have this signature | 169 nationally

↓ Shrinking -16 CUs YoY | New qualifier

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 304 peers in tier

Top Strengths (10 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $20,708

Peer Avg: -

#12 of 304 Top 3.6% in 1B-3B tier

Member Growth Rate

growth

Value: 10.14%

Peer Avg: -

#17 of 304 Top 5.3% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.25%

Peer Avg: -

#23 of 304 Top 7.2% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $41,051

Peer Avg: -

#24 of 304 Top 7.6% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 16.14%

Peer Avg: -

#25 of 304 Top 7.9% in 1B-3B tier

Deposit Growth Rate

growth

Value: 13.10%

Peer Avg: -

#26 of 304 Top 8.2% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 101.80%

Peer Avg: -

#37 of 304 Top 11.8% in 1B-3B tier

Asset Growth Rate

growth

Value: 9.77%

Peer Avg: -

#44 of 304 Top 14.1% in 1B-3B tier

Loan Growth Rate

growth

Value: 10.23%

Peer Avg: -

#58 of 304 Top 18.8% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 22.37%

Peer Avg: -

#67 of 304 Top 21.7% in 1B-3B tier

Top Weaknesses (4 metrics)

298

Total Members

engagement

Value: 44,331

Peer Avg: -

#298 of 304 Bottom 2.3% in 1B-3B tier

284

Total Deposits

balance_sheet

Value: $901.80M

Peer Avg: -

#284 of 304 Bottom 6.9% in 1B-3B tier

258

Total Assets

balance_sheet

Value: $1.13B

Peer Avg: -

#258 of 304 Bottom 15.5% in 1B-3B tier

254

Members Per Employee (MPE)

engagement

Value: 287.864

Peer Avg: -

#254 of 304 Bottom 16.8% in 1B-3B tier