BlastPoint's Credit Union Scorecard
MILLARD COUNTY
Charter #60494 · UT
MILLARD COUNTY has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Member decline: -2.3% YoY
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 2,437 credit unions with under $100M in assets nationally, and 1 of 29 that size in Utah.
- Shares and deposits +6.6% year over year ($57.5M in shares and deposits).
- Membership: 4,565 members, -2.3% vs a year ago.
- Delinquency rate 0.64%.
- Return on assets 1.03%.
- Efficiency ratio 73.38% vs a 88.77% peer average.
- Loan-to-share ratio 52.41% vs a 58.89% 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 |
4,565
-2.3% YoY+0.1% QoQ
|
+2.0K |
2,585
-1.7% YoY
|
84,939
+12.5% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$65.0M
+7.0% YoY+1.0% QoQ
|
+$34.7M |
$30.3M
+1.5% YoY
|
$1.4B
+17.3% YoY
|
$593.1M
+10.2% YoY
|
Top 14.7% in tier |
| Loans |
$30.2M
-0.8% YoY+0.3% QoQ
|
+$14.7M |
$15.5M
-1.7% YoY
|
$1.1B
+18.0% YoY
|
$418.6M
+10.1% YoY
|
83% |
| Deposits |
$57.5M
+6.6% YoY+0.8% QoQ
|
+$31.7M |
$25.8M
+1.1% YoY
|
$1.2B
+16.7% YoY
|
$504.8M
+10.3% YoY
|
Top 13.7% in tier |
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| ROA |
1.0%
-1.9% YoY+2.7% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.0%
+17.0% YoY
|
1.2%
+121.4% YoY
|
62% |
| NIM |
3.2%
-2.9% YoY+0.9% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.4%
+1.5% YoY
|
3.8%
+2.3% YoY
|
24% |
| Efficiency Ratio |
73.4%
+6.5% YoY+0.1% QoQ
|
-15.4% |
88.8%
-6.9% YoY
|
73.7%
+1.7% YoY
|
83.0%
-5.3% YoY
|
33% |
| Delinquency Rate |
0.6%
+63.9% YoY-67.4% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
0.8%
+17.2% YoY
|
1.3%
+2.6% YoY
|
48% |
| Loan To Share |
52.4%
-7.0% YoY-0.4% QoQ
|
-6.5% |
58.9%
-3.1% YoY
|
75.6%
-3.6% YoY
|
66.4%
-1.4% YoY
|
40% |
| AMR |
$19,208
+6.4% YoY+0.5% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$21,736
+3.5% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
22.2%
+14.3% YoY+10.7% QoQ
|
-2.4% | 24.6% | 28.5% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)