BlastPoint's Credit Union Scorecard

UTAH FIRST

Charter #528 · UT

Mid-Market 1B-3B

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

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UTAH FIRST has 8 strengths but faces 2 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 12.6% in tier
+ Organic Growth Leader: Top 12.6% in tier
+ Emerging Performer: Top 28.8% in tier
+ Relationship Depth Leader: Top 51.1% in tier
+ ROA 0.23% above tier average
+ Net Interest Margin 0.10% above tier average
+ Strong member growth: 6.7% YoY
+ Total Delinquency Rate (60+ days): Top 1.3% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 6.7% in tier
- Total Members: Bottom 4.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Utah.
Shares and deposits +11.0% year over year ($929M in shares and deposits).
Membership: 45,913 members, +6.7% vs a year ago.
Delinquency rate 0.13%.
Return on assets 1.05%.
Efficiency ratio 70.73% vs a 73.02% peer average.
Loan-to-share ratio 104.58% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	45,913 +6.7% YoY+1.5% QoQ	-50.9K	96,861 -1.9% YoY	84,939 +12.5% YoY	34,678 +6.6% YoY	Bottom 3.7% in tier
Assets	$1.2B +8.4% YoY+0.9% QoQ	$-551.0M	$1.7B +0.4% YoY	$1.4B +17.3% YoY	$593.1M +10.2% YoY	20%
Loans	$971.6M +9.0% YoY+3.9% QoQ	$-262.6M	$1.2B +0.7% YoY	$1.1B +18.0% YoY	$418.6M +10.1% YoY	35%
Deposits	$929.1M +11.0% YoY+0.4% QoQ	$-534.3M	$1.5B +0.5% YoY	$1.2B +16.7% YoY	$504.8M +10.3% YoY	Bottom 11.0% in tier

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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	1.0% +9.6% YoY+2.9% QoQ	+0.2%	0.8% +27.6% YoY	1.0% +17.0% YoY	1.2% +121.4% YoY	74%
NIM	3.5% +2.0% YoY+1.2% QoQ	+0.1%	3.4% +6.6% YoY	3.4% +1.5% YoY	3.8% +2.3% YoY	55%
Efficiency Ratio	70.7% -1.4% YoY-0.4% QoQ	-2.3%	73.0% -2.7% YoY	73.7% +1.7% YoY	83.0% -5.3% YoY	37%
Delinquency Rate	0.1% -59.5% YoY-21.0% QoQ	-0.7	0.9% +7.3% YoY	0.8% +17.2% YoY	1.3% +2.6% YoY	Top 1.3% in tier
Loan To Share	104.6% -1.8% YoY+3.4% QoQ	+19.9%	84.7% +0.1% YoY	75.6% -3.6% YoY	66.4% -1.4% YoY	Top 5.3% in tier
AMR	$41,397 +3.1% YoY+0.7% QoQ	+$12K	$29,575 +1.5% YoY	$21,736 +3.5% YoY	$20,028 -0.9% YoY	Top 7.7% in tier
CD Concentration	22.3% -3.8% YoY-0.7% QoQ	-6.8%	29.1%	28.5%	20.0%	21%
Indirect Auto %	4.8% -12.1% YoY-5.2% QoQ	-13.3%	18.1%	6.3%	7.7%	23%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#9 of 113 • Top 12.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.66%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 1.05%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 4.78%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY

Emerging Performer

growth

#9 of 82 • Top 28.8% 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: 1.05%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Member Growth (YoY): 6.66%

(Tier: 3.16%, National: 15.67%)

better than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY

Organic Growth Leader

growth

#20 of 112 • Top 12.6% in tier

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

Why This Signature

Member Growth (YoY): 6.66%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 4.78%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#57 of 69 • Top 51.1% 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): 3.12%

(Tier: 3.62%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $3.2K

(Tier: $3.2K, National: $2.1K)

but worse than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | New qualifier

Concerns (1)

Liquidity Strain

risk

#19 of 168 • Bottom 6.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 104.58%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 9.02%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

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 300 peers in tier

Top Strengths (10 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Median: 0.70%

#5 of 300 Top 1.3% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $21,161

Peer Median: $12,809

#11 of 300 Top 3.3% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 104.58%

Peer Median: 87.07%

#16 of 300 Top 5.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 14.08%

Peer Median: 33.59%

#22 of 300 Top 7.0% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $41,397

Peer Median: $28,089

#23 of 300 Top 7.3% in 1B-3B tier

Member Growth Rate

growth

Value: 6.66%

Peer Median: 1.84%

#35 of 300 Top 11.3% in 1B-3B tier

Deposit Growth Rate

growth

Value: 11.00%

Peer Median: 4.79%

#38 of 300 Top 12.3% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.29%

Peer Median: 0.52%

#66 of 300 Top 21.7% in 1B-3B tier

Asset Growth Rate

growth

Value: 8.41%

Peer Median: 5.21%

#68 of 300 Top 22.3% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 22.28%

Peer Median: 28.24%

#70 of 300 Top 23.0% in 1B-3B tier

Top Weaknesses (4 metrics)

289

Total Members

engagement

Value: 45,913

Peer Median: 86,516

#289 of 300 Bottom 4.0% in 1B-3B tier

267

Total Deposits

balance_sheet

Value: $929.06M

Peer Median: $1.30B

#267 of 300 Bottom 11.3% in 1B-3B tier

246

Members Per Employee (MPE)

engagement

Value: 286.956

Peer Median: 346.173

#246 of 300 Bottom 18.3% in 1B-3B tier

240

Total Assets

balance_sheet

Value: $1.17B

Peer Median: $1.51B

#240 of 300 Bottom 20.3% in 1B-3B tier