BlastPoint's Credit Union Scorecard
UTAH FIRST
Charter #528 · UT
UTAH FIRST has 8 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 12.4% in tier
- + Organic Growth Leader: Top 12.4% in tier
- + Emerging Performer: Top 22.2% in tier
- + Relationship Depth Leader: Top 58.9% in tier
- + ROA 0.30% above tier average
- + Net Interest Margin 0.13% above tier average
- + Strong member growth: 7.6% YoY
- + Loan-to-Member Ratio (LMR): Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 8.1% in tier
- - Total Members: Bottom 3.3% in tier
- - Total Deposits: Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,230
+7.6% YoY+1.2% QoQ
|
-50.8K |
96,048
-2.7% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
Bottom 2.9% in tier |
| Assets |
$1.2B
+7.6% YoY+2.8% QoQ
|
$-556.7M |
$1.7B
+0.4% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$935.2M
+9.0% YoY+0.4% QoQ
|
$-278.5M |
$1.2B
+0.2% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
32% |
| Deposits |
$925.1M
+10.3% YoY+3.4% QoQ
|
$-540.5M |
$1.5B
+0.5% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.8% in tier |
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| ROA |
1.0%
+23.9% YoY-0.8% QoQ
|
+0.3% |
0.7%
+27.6% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
79% |
| NIM |
3.5%
+2.3% YoY+0.7% QoQ
|
+0.1% |
3.4%
+6.2% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
56% |
| Efficiency Ratio |
71.0%
-4.2% YoY+0.7% QoQ
|
-3.6% |
74.6%
-3.0% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
35% |
| Delinquency Rate |
0.2%
-51.7% YoY-36.8% QoQ
|
-0.6 |
0.8%
+6.9% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
Top 6.2% in tier |
| Loan To Share |
101.1%
-1.2% YoY-2.9% QoQ
|
+17.9% |
83.2%
-0.4% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Top 7.2% in tier |
| AMR |
$41,129
+1.9% YoY+0.6% QoQ
|
+$11K |
$29,652
+2.3% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
Top 8.8% in tier |
| CD Concentration |
22.4%
-2.4% YoY-0.6% QoQ
|
-6.4% | 28.8% | 28.4% | 19.8% | 23% |
| Indirect Auto % |
5.0%
-15.7% YoY+8.5% QoQ
|
-13.0% | 18.1% | 7.1% | 7.7% | 24% |
Signature Analysis
Strengths (4)
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 (<15%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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)