BlastPoint's Credit Union Scorecard

NATIONAL J. A. C. L.

Charter #67005 · UT

<100M

2508 CUs in <100M nationally 29 in UT

NATIONAL J. A. C. L. faces 4 concerns requiring attention

National Analysis

How does the industry compare?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.25% below tier average
- Efficiency ratio 8.80% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 6.8% in tier
- Net Interest Margin (NIM): Bottom 9.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	3,088 -0.3% YoY+0.0% QoQ	+411	2,676 +1.6% YoY	80,723 +8.1% YoY	33,913 +5.7% YoY	69%
Assets	$39.2M +0.5% YoY+1.0% QoQ	+$9.0M	$30.2M +1.3% YoY	$1.3B +11.9% YoY	$578.3M +9.0% YoY	68%
Loans	$19.5M -10.5% YoY-3.1% QoQ	+$4.2M	$15.3M -2.0% YoY	$985.7M +12.1% YoY	$402.4M +8.7% YoY	70%
Deposits	$34.3M +0.7% YoY+1.1% QoQ	+$8.5M	$25.8M +0.7% YoY	$1.1B +11.5% YoY	$494.3M +9.1% YoY	69%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.1% -35.8% YoY	-0.3%	0.1% -77.6% YoY	0.4% -49.8% YoY	0.4% -39.2% YoY	19%
NIM	2.6% +1.0% YoY-5.4% QoQ	-1.4%	4.0% +4.0% YoY	3.4% +1.0% YoY	3.8% +4.1% YoY	Bottom 9.4% in tier
Efficiency Ratio	99.4% -2.0% YoY+4.2% QoQ	+8.8%	90.6% +6.5% YoY	74.1% +0.8% YoY	84.6% +2.8% YoY	84%
Delinquency Rate	1.3% +203.9% YoY+4.6% QoQ	-0.2	1.5% +3.8% YoY	0.7% +20.4% YoY	1.2% +3.4% YoY	70%
Loan To Share	56.9% -11.1% YoY-4.2% QoQ	-1.6%	58.5% -3.0% YoY	75.0% -3.9% YoY	65.6% -1.4% YoY	48%
AMR	$17,412 -3.5% YoY-0.5% QoQ	+$3K	$14,884 -1.7% YoY	$21,837 +4.8% YoY	$19,920 +1.6% YoY	67%
CD Concentration	41.3% +13.5% YoY+3.7% QoQ	+17.0%	24.3%	28.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (1 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Top Weaknesses (8 metrics)

2339

Share Certificate Concentration (%)

balance_sheet

Value: 41.30%

Peer Median: 12.45%

#2339 of 2508 Bottom 6.8% in <100M tier

2272

Net Interest Margin (NIM)

profitability

Value: 2.61%

Peer Median: 3.83%

#2272 of 2508 Bottom 9.4% in <100M tier

2165

Net Worth Ratio

risk

Value: 9.53%

Peer Median: 14.28%

#2165 of 2508 Bottom 13.7% in <100M tier

2098

Efficiency Ratio

profitability

Value: 99.43%

Peer Median: 81.45%

#2098 of 2508 Bottom 16.4% in <100M tier

2031

Return on Assets (ROA)

profitability

Value: -0.11%

Peer Median: 0.61%

#2031 of 2508 Bottom 19.1% in <100M tier

2018

First Mortgage Concentration (%)

balance_sheet

Value: 31.48%

Peer Median: 3.66%

#2018 of 2508 Bottom 19.6% in <100M tier

1985

Loan Growth Rate

growth

Value: -10.54%

Peer Median: -2.36%

#1985 of 2508 Bottom 20.9% in <100M tier

1934

AMR Growth Rate

growth

Value: -3.45%

Peer Median: 1.27%

#1934 of 2508 Bottom 22.9% in <100M tier