BlastPoint's Credit Union Scorecard

UTAH HERITAGE

Charter #67076 · UT

1077 CUs in 100M-500M nationally 13 in UT

UTAH HERITAGE has 7 strengths but faces 5 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

+ Organic Growth Engine: Top 11.0% in tier
+ Profitability Leader: Top 20.3% in tier
+ Organic Growth Leader: Top 21.9% in tier
+ Emerging Performer: Top 45.8% in tier
+ ROA 0.98% above tier average
+ Net Interest Margin 0.29% above tier average
+ Efficiency Ratio: Top 4.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.7% in tier
- Credit Risk Growth: Bottom 4.9% in tier
- Delinquency rate 1.09% above tier average
- Share Certificate Concentration (%): Bottom 2.3% in tier
- Total Delinquency Rate (60+ days): Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	8,866 +1.7% YoY-0.8% QoQ	-6.8K	15,628 -3.4% YoY	76,315 +6.4% YoY	33,089 +6.1% YoY	22%
Assets	$155.5M +8.4% YoY+1.0% QoQ	$-75.8M	$231.3M -0.0% YoY	$1.2B +10.2% YoY	$547.7M +7.8% YoY	32%
Loans	$108.4M +5.2% YoY-3.4% QoQ	$-39.4M	$147.8M -1.4% YoY	$924.9M +10.2% YoY	$388.7M +8.6% YoY	40%
Deposits	$135.3M +7.5% YoY+1.1% QoQ	$-65.0M	$200.3M -0.0% YoY	$1.1B +10.6% YoY	$464.6M +9.3% YoY	33%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	1.8% +8.9% YoY-0.2% QoQ	+1.0%	0.8% +15.5% YoY	0.9% +11.6% YoY	0.7% +273.4% YoY	Top 5.8% in tier
NIM	3.9% +5.7% YoY+0.8% QoQ	+0.3%	3.6% +6.9% YoY	3.4% +7.0% YoY	3.7% +5.0% YoY	66%
Efficiency Ratio	55.2% -5.4% YoY+0.3% QoQ	-22.1%	77.3% -3.0% YoY	71.6% -3.7% YoY	79.1% -3.3% YoY	Bottom 4.5% in tier
Delinquency Rate	1.9% +391.9% YoY+10.1% QoQ	+1.1	0.9% +7.6% YoY	0.7% +11.8% YoY	1.2% -0.9% YoY	Top 7.6% in tier
Loan To Share	80.1% -2.1% YoY-4.4% QoQ	+7.4%	72.7% -1.5% YoY	78.2% -2.6% YoY	68.0% -1.7% YoY	63%
AMR	$27,492 +4.7% YoY-0.2% QoQ	+$3K	$24,363 +2.9% YoY	$21,167 +3.5% YoY	$19,418 +1.3% YoY	75%
CD Concentration	48.2% +3.2% YoY+3.2% QoQ	+23.8%	24.4% +4.2% YoY	27.9% +4.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	10.0% -10.0% YoY-0.1% QoQ	-4.0%	14.0% -5.7% YoY	7.4% -10.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#202 of 603 • Top 11.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.67%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.77%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 9.99%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Profitability Leader

growth

#70 of 340 • Top 20.3% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.77%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.14% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Organic Growth Leader

growth

#290 of 430 • Top 21.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.67%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 9.99%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Emerging Performer

growth

#88 of 191 • Top 45.8% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.77%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 1.67%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank worsening

Concerns (2)

Credit Quality Pressure

risk

#18 of 736 • Bottom 0.7% in tier

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

Why This Signature

Delinquency Change (YoY): 1.55% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Credit Risk Growth

risk

#74 of 446 • Bottom 4.9% in tier

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

Why This Signature

Loan Growth (YoY): 5.23%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 1.55% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 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 1077 peers in tier

Top Strengths (5 metrics)

Efficiency Ratio

profitability

Value: 55.22%

Peer Avg: -

#50 of 1077 Top 4.5% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.77%

Peer Avg: -

#63 of 1077 Top 5.8% in 100M-500M tier

195

Asset Growth Rate

growth

Value: 8.42%

Peer Avg: -

#195 of 1077 Top 18.0% in 100M-500M tier

234

Deposit Growth Rate

growth

Value: 7.48%

Peer Avg: -

#234 of 1077 Top 21.6% in 100M-500M tier

242

Loan-to-Member Ratio (LMR)

engagement

Value: $12,228

Peer Avg: -

#242 of 1077 Top 22.4% in 100M-500M tier

Top Weaknesses (4 metrics)

1053

Share Certificate Concentration (%)

balance_sheet

Value: 48.23%

Peer Avg: -

#1053 of 1077 Bottom 2.3% in 100M-500M tier

996

Total Delinquency Rate (60+ days)

risk

Value: 1.95%

Peer Avg: -

#996 of 1077 Bottom 7.6% in 100M-500M tier

906

Fee Income Per Member

profitability

Value: $102.59

Peer Avg: -

#906 of 1077 Bottom 16.0% in 100M-500M tier

841

Total Members

engagement

Value: 8,866

Peer Avg: -

#841 of 1077 Bottom 22.0% in 100M-500M tier