BlastPoint's Credit Union Scorecard
NATIONAL J. A. C. L.
Charter #67005 · UT
NATIONAL J. A. C. L. has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Efficiency ratio 12.84% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 7.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,087
+0.0% YoY+0.3% QoQ
|
+471 |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$38.9M
-2.1% YoY+0.7% QoQ
|
+$8.7M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$20.1M
-10.1% YoY-2.9% QoQ
|
+$4.4M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$33.9M
-2.3% YoY+0.8% QoQ
|
+$8.2M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
69% |
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| ROA |
0.0%
-111.2% YoY+110.7% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
2.8%
+11.2% YoY-0.1% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.8% in tier |
| Efficiency Ratio |
95.4%
-6.7% YoY-0.3% QoQ
|
+12.8% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
1.2%
+107.5% YoY+79.0% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
59.4%
-8.1% YoY-3.6% QoQ
|
-1.2% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$17,496
-5.4% YoY-0.9% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration |
39.8%
+5.4% YoY+4.6% QoQ
|
+15.4% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.8% | 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)