BlastPoint's Credit Union Scorecard
UTAH FIRST
Charter #528 · UT
UTAH FIRST has 12 strengths but faces 3 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
- + Organic Growth Engine: Top 1.6% in tier
- + Emerging Performer: Top 9.2% in tier
- + Organic Growth Leader: Top 11.3% in tier
- + ROA 0.34% above tier average
- + Net Interest Margin 0.18% above tier average
- + Strong member growth: 9.8% YoY
- + Loan-to-Member Ratio (LMR): Top 3.6% in tier
- + Member Growth Rate: Top 6.0% in tier
- + Loan-to-Share Ratio: Top 6.3% in tier
- + Total Delinquency Rate (60+ days): Top 8.3% in tier
- + First Mortgage Concentration (%): Top 8.3% in tier
- + Average Member Relationship (AMR): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.7% in tier
- - Total Members: Bottom 2.6% in tier
- - Total Deposits: Bottom 5.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,697
+9.8% YoY+0.8% QoQ
|
-52.7K |
97,431
-2.4% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
Bottom 2.3% in tier |
| Assets |
$1.1B
+7.9% YoY-0.3% QoQ
|
$-591.8M |
$1.7B
+0.9% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.2% in tier |
| Loans |
$931.6M
+10.0% YoY+1.5% QoQ
|
$-302.8M |
$1.2B
+0.5% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$895.1M
+10.8% YoY-0.7% QoQ
|
$-564.3M |
$1.5B
+0.9% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.3% in tier |
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| ROA |
1.0%
-8.8% YoY+5.1% QoQ
|
+0.3% |
0.7%
+20.9% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
3.5%
+1.9% YoY-0.5% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
70.6%
+4.3% YoY-1.5% QoQ
|
-3.5% |
74.1%
-9.5% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.3%
-52.7% YoY+6.9% QoQ
|
-0.6 |
0.9%
+6.2% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 8.3% in tier |
| Loan To Share |
104.1%
-0.7% YoY+2.2% QoQ
|
+19.3% |
84.8%
-0.8% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
Top 6.6% in tier |
| AMR |
$40,867
+0.5% YoY-0.4% QoQ
|
+$11K |
$29,428
+2.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
Top 8.6% in tier |
| CD Concentration |
22.6%
-3.2% YoY+0.9% QoQ
|
-6.5% | 29.0% | 28.4% | 19.8% | 22% |
| Indirect Auto % |
4.6%
-28.2% YoY-7.6% QoQ
|
-13.7% | 18.3% | 7.4% | 7.8% | 24% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)