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 0.67% below tier average
- - Efficiency ratio 14.28% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,078
-0.4% YoY-0.5% QoQ
|
+452 |
2,625
-2.2% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
68% |
| Assets |
$38.6M
-2.6% YoY+0.1% QoQ
|
+$8.7M |
$29.9M
+1.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
68% |
| Loans |
$20.7M
+1.8% YoY-2.4% QoQ
|
+$5.0M |
$15.8M
-2.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
71% |
| Deposits |
$33.6M
+0.2% YoY-0.0% QoQ
|
+$8.2M |
$25.5M
+0.4% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
69% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.0%
-410.0% YoY-107.8% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
17% |
| NIM |
2.8%
+8.7% YoY+3.4% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 12.0% in tier |
| Efficiency Ratio |
95.7%
-1.1% YoY-3.6% QoQ
|
+14.3% |
81.4%
-2.4% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
85% |
| Delinquency Rate |
0.7%
-30.4% YoY+17.8% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
51% |
| Loan To Share |
61.7%
+1.6% YoY-2.3% QoQ
|
+0.4% |
61.2%
-3.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
50% |
| AMR |
$17,650
+1.2% YoY-0.5% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
70% |
| CD Concentration |
38.1%
+10.8% YoY+3.8% QoQ
|
+13.6% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
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)