BlastPoint's Credit Union Scorecard

ALPINE

Charter #64332 · UT

1069 CUs in 100M-500M nationally 13 in UT

ALPINE has 1 strength but faces 6 concerns

National Analysis

How does the industry compare?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 57.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 16.8% in tier
- Membership Headwinds: Bottom 84.1% in tier
- Stagnation Risk: Bottom 89.9% in tier
- Credit Risk Growth: Bottom 93.2% in tier
- Credit Quality Pressure: Bottom 96.7% in tier
- ROA 0.07% below tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	19,916 -1.1% YoY-1.0% QoQ	+4.5K	15,437 -2.9% YoY	78,581 +8.3% YoY	33,374 +5.7% YoY	76%
Assets	$359.4M +7.7% YoY+2.8% QoQ	+$127.5M	$231.9M +1.3% YoY	$1.2B +12.9% YoY	$561.6M +9.7% YoY	83%
Loans	$247.5M +4.1% YoY-0.9% QoQ	+$100.1M	$147.3M -0.1% YoY	$958.3M +12.4% YoY	$397.0M +8.8% YoY	Top 14.5% in tier
Deposits	$320.9M +7.7% YoY+2.8% QoQ	+$120.1M	$200.8M +0.8% YoY	$1.1B +12.7% YoY	$477.3M +9.7% YoY	Top 15.0% 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	0.7% +137.6% YoY-14.8% QoQ	-0.1%	0.8% +18.2% YoY	0.8% +12.1% YoY	0.7% +15.9% YoY	44%
NIM	3.1% +16.6% YoY-0.0% QoQ	-0.5%	3.6% +6.7% YoY	3.4% +4.7% YoY	3.8% +5.1% YoY	21%
Efficiency Ratio	76.5% -6.4% YoY+6.1% QoQ	-0.6%	77.0% -3.1% YoY	72.6% -3.7% YoY	79.7% -3.3% YoY	48%
Delinquency Rate	0.6% +2.1% YoY-9.0% QoQ	-0.3	0.9% +4.2% YoY	1.0% +50.5% YoY	1.3% -2.1% YoY	43%
Loan To Share	77.1% -3.4% YoY-3.6% QoQ	+4.9%	72.2% -1.1% YoY	76.7% -4.3% YoY	67.4% -1.7% YoY	56%
AMR	$28,540 +7.3% YoY+2.2% QoQ	+$4K	$24,676 +3.4% YoY	$21,704 +5.2% YoY	$19,687 +2.0% YoY	77%
CD Concentration	36.3% -0.5% YoY-1.3% QoQ	+11.9%	24.4%	28.4%	19.8%	50%
Indirect Auto %	32.5% -0.5% YoY-4.7% QoQ	+18.8%	13.8%	7.4%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#293 of 513 • Top 57.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.30%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (5)

Indirect Auto Dependency

risk

#86 of 506 • Bottom 16.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.71%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 32.54%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.10%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Membership Headwinds

decline

#466 of 554 • Bottom 84.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.10%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#498 of 554 • Bottom 89.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.10%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 4.09%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.62%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Risk Growth

risk

#425 of 456 • Bottom 93.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.09%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#682 of 705 • Bottom 96.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 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 1069 peers in tier

Top Strengths (8 metrics)

155

Total Loans

balance_sheet

Value: $247.49M

Peer Median: -

#155 of 1069 Top 14.4% in 100M-500M tier

160

Total Deposits

balance_sheet

Value: $320.92M

Peer Median: -

#160 of 1069 Top 14.9% in 100M-500M tier

179

Total Assets

balance_sheet

Value: $359.39M

Peer Median: -

#179 of 1069 Top 16.7% in 100M-500M tier

229

Loan-to-Member Ratio (LMR)

engagement

Value: $12,427

Peer Median: -

#229 of 1069 Top 21.3% in 100M-500M tier

230

AMR Growth Rate

growth

Value: 7.30%

Peer Median: -

#230 of 1069 Top 21.4% in 100M-500M tier

234

Deposit Growth Rate

growth

Value: 7.75%

Peer Median: -

#234 of 1069 Top 21.8% in 100M-500M tier

245

Average Member Relationship (AMR)

engagement

Value: $28,540

Peer Median: -

#245 of 1069 Top 22.8% in 100M-500M tier

260

Total Members

engagement

Value: 19,916

Peer Median: -

#260 of 1069 Top 24.2% in 100M-500M tier

Top Weaknesses (3 metrics)

943

Share Certificate Concentration (%)

balance_sheet

Value: 36.28%

Peer Median: -

#943 of 1069 Bottom 11.9% in 100M-500M tier

926

Indirect Auto Concentration (%)

balance_sheet

Value: 32.54%

Peer Median: -

#926 of 1069 Bottom 13.5% in 100M-500M tier

846

Net Interest Margin (NIM)

profitability

Value: 3.06%

Peer Median: -

#846 of 1069 Bottom 21.0% in 100M-500M tier