BlastPoint's Credit Union Scorecard
P & S
Charter #67056 · UT
P & S demonstrates 1 strength
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,156
-1.6% YoY-0.8% QoQ
|
-520 |
2,676
+1.6% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
55% |
| Assets |
$24.6M
-2.5% YoY-3.5% QoQ
|
$-5.5M |
$30.2M
+1.3% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
53% |
| Loans |
$15.7M
-7.7% YoY-5.1% QoQ
|
+$453K |
$15.3M
-2.0% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
64% |
| Deposits |
$21.4M
-4.6% YoY-3.7% QoQ
|
$-4.4M |
$25.8M
+0.7% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
54% |
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| ROA |
0.4%
-55.7% YoY-69.8% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
41% |
| NIM |
3.7%
-13.6% YoY-11.6% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
45% |
| Efficiency Ratio |
89.9%
+12.1% YoY+27.0% QoQ
|
-0.8% |
90.6%
+6.5% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
69% |
| Delinquency Rate |
0.0%
-78.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
16% |
| Loan To Share |
73.5%
-3.3% YoY-1.5% QoQ
|
+14.9% |
58.5%
-3.0% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$17,234
-4.4% YoY-3.6% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
66% |
| CD Concentration |
16.9%
-4.8% YoY+2.6% QoQ
|
-7.4% | 24.3% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 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)