BlastPoint's Credit Union Scorecard

UTAH HERITAGE

Charter #67076 · UT

100M-500M

1070 CUs in 100M-500M nationally 12 in UT

UTAH HERITAGE has 4 strengths but faces 7 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 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.80% above tier average
+ Net Interest Margin 0.22% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Delinquency rate 1.53% above tier average
- Share Certificate Concentration (%): Bottom 2.2% in tier
- Total Delinquency Rate (60+ days): Bottom 3.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	8,889 +0.8% YoY+3.3% QoQ	-6.3K	15,145 -2.5% YoY	80,723 +8.1% YoY	33,913 +5.7% YoY	24%
Assets	$160.8M +6.6% YoY+0.7% QoQ	$-70.9M	$231.7M +0.8% YoY	$1.3B +11.9% YoY	$578.3M +9.0% YoY	35%
Loans	$111.1M +3.0% YoY+0.5% QoQ	$-33.1M	$144.1M +0.2% YoY	$985.7M +12.1% YoY	$402.4M +8.7% YoY	44%
Deposits	$138.9M +5.6% YoY+0.2% QoQ	$-62.2M	$201.1M +0.4% YoY	$1.1B +11.5% YoY	$494.3M +9.1% YoY	35%

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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	1.5% -17.2% YoY-12.0% QoQ	+0.8%	0.7% +5.1% YoY	0.4% -49.8% YoY	0.4% -39.2% YoY	Top 10.8% in tier
NIM	3.8% +0.7% YoY-0.1% QoQ	+0.2%	3.6% +4.6% YoY	3.4% +1.0% YoY	3.8% +4.1% YoY	66%
Efficiency Ratio	61.7% +11.1% YoY+10.6% QoQ	-16.4%	78.0% -1.7% YoY	74.1% +0.8% YoY	84.6% +2.8% YoY	Top 10.2% in tier
Delinquency Rate	2.3% +40.4% YoY-6.1% QoQ	+1.5	0.8% +7.1% YoY	0.7% +20.4% YoY	1.2% +3.4% YoY	Bottom 3.9% in tier
Loan To Share	80.0% -2.4% YoY+0.3% QoQ	+9.6%	70.4% -0.4% YoY	75.0% -3.9% YoY	65.6% -1.4% YoY	68%
AMR	$28,122 +3.5% YoY-2.8% QoQ	+$3K	$24,918 +2.7% YoY	$21,837 +4.8% YoY	$19,920 +1.6% YoY	75%
CD Concentration	47.4% +1.5% YoY-4.2% QoQ	+23.1%	24.3%	28.4%	19.8%	50%
Indirect Auto %	8.4% -17.1% YoY-7.8% QoQ	-5.4%	13.8%	7.1%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#244 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.83%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.53%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 8.38%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#337 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.83%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 8.38%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#77 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.66% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Margin Compression

decline

#29 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.53%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.84%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.32% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Credit Risk Growth

risk

#174 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 2.98%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.66% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Cost Spiral

risk

#56 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 6.17% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 36.74%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 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 1070 peers in tier

Top Strengths (3 metrics)

110

Efficiency Ratio

profitability

Value: 61.65%

Peer Median: 78.68%

#110 of 1070 Top 10.2% in 100M-500M tier

116

Return on Assets (ROA)

profitability

Value: 1.53%

Peer Median: 0.69%

#116 of 1070 Top 10.7% in 100M-500M tier

220

Loan-to-Member Ratio (LMR)

engagement

Value: $12,496

Peer Median: $9,356

#220 of 1070 Top 20.5% in 100M-500M tier

Top Weaknesses (3 metrics)

1047

Share Certificate Concentration (%)

balance_sheet

Value: 47.37%

Peer Median: 23.10%

#1047 of 1070 Bottom 2.2% in 100M-500M tier

1029

Total Delinquency Rate (60+ days)

risk

Value: 2.31%

Peer Median: 0.61%

#1029 of 1070 Bottom 3.9% in 100M-500M tier

817

Total Members

engagement

Value: 8,889

Peer Median: 13,200

#817 of 1070 Bottom 23.7% in 100M-500M tier