BlastPoint's Credit Union Scorecard

UTAH HERITAGE

Charter #67076 · UT

100M-500M

1024 CUs in 100M-500M nationally 10 in UT

UTAH HERITAGE has 6 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 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.80% above tier average
+ Net Interest Margin 0.18% above tier average
+ Efficiency Ratio: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Delinquency rate 1.63% above tier average
- Share Certificate Concentration (%): Bottom 2.8% in tier
- Total Delinquency Rate (60+ days): Bottom 3.9% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Utah.
Shares and deposits +7.5% year over year ($144M in shares and deposits).
Membership: 9,035 members, +1.1% vs a year ago.
Delinquency rate 2.51%.
Return on assets 1.67%.
Efficiency ratio 59.22% vs a 76.73% peer average.
Loan-to-share ratio 76.51% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	9,035 +1.1% YoY+1.6% QoQ	-6.1K	15,168 -2.6% YoY	84,939 +12.5% YoY	34,678 +6.6% YoY	25%
Assets	$166.7M +8.3% YoY+3.7% QoQ	$-65.3M	$232.0M +0.7% YoY	$1.4B +17.3% YoY	$593.1M +10.2% YoY	37%
Loans	$110.2M -1.8% YoY-0.8% QoQ	$-36.1M	$146.3M +0.2% YoY	$1.1B +18.0% YoY	$418.6M +10.1% YoY	42%
Deposits	$144.0M +7.5% YoY+3.7% QoQ	$-56.7M	$200.7M +0.2% YoY	$1.2B +16.7% YoY	$504.8M +10.3% YoY	37%

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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	1.7% -6.0% YoY+9.2% QoQ	+0.8%	0.9% +12.5% YoY	1.0% +17.0% YoY	1.2% +121.4% YoY	Top 8.3% in tier
NIM	3.9% +0.5% YoY+0.3% QoQ	+0.2%	3.7% +4.5% YoY	3.4% +1.5% YoY	3.8% +2.3% YoY	62%
Efficiency Ratio	59.2% +7.6% YoY-3.9% QoQ	-17.5%	76.7% -0.8% YoY	73.7% +1.7% YoY	83.0% -5.3% YoY	Top 7.8% in tier
Delinquency Rate	2.5% +41.6% YoY+8.6% QoQ	+1.6	0.9% +6.6% YoY	0.8% +17.2% YoY	1.3% +2.6% YoY	Bottom 3.9% in tier
Loan To Share	76.5% -8.7% YoY-4.3% QoQ	+5.0%	71.5% -0.3% YoY	75.6% -3.6% YoY	66.4% -1.4% YoY	56%
AMR	$28,129 +2.1% YoY+0.0% QoQ	+$3K	$25,107 +3.2% YoY	$21,736 +3.5% YoY	$20,028 -0.9% YoY	74%
CD Concentration	47.3% +1.2% YoY-0.2% QoQ	+22.7%	24.6%	28.5%	20.0%	50%
Indirect Auto %	8.4% -16.3% YoY-0.1% QoQ	-5.3%	13.6%	6.3%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#198 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.11%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.67%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 8.38%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Emerging Performer

growth

#101 of 175 • Top 50.0% 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: 1.67%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 1.11%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank worsening

Organic Growth Leader

growth

#277 of 342 • 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): 1.11%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 8.38%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Concerns (2)

Credit Quality Pressure

risk

#75 of 693 • 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): 0.74% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

Margin Compression

decline

#97 of 140 • 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: 1.67%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.77%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 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 1024 peers in tier

Top Strengths (5 metrics)

Efficiency Ratio

profitability

Value: 59.22%

Peer Median: 77.26%

#81 of 1024 Top 7.8% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.67%

Peer Median: 0.75%

#85 of 1024 Top 8.2% in 100M-500M tier

171

Asset Growth Rate

growth

Value: 8.33%

Peer Median: 4.12%

#171 of 1024 Top 16.6% in 100M-500M tier

186

Deposit Growth Rate

growth

Value: 7.53%

Peer Median: 3.58%

#186 of 1024 Top 18.1% in 100M-500M tier

251

Loan-to-Member Ratio (LMR)

engagement

Value: $12,193

Peer Median: $9,434

#251 of 1024 Top 24.4% in 100M-500M tier

Top Weaknesses (3 metrics)

996

Share Certificate Concentration (%)

balance_sheet

Value: 47.27%

Peer Median: 23.39%

#996 of 1024 Bottom 2.8% in 100M-500M tier

985

Total Delinquency Rate (60+ days)

risk

Value: 2.51%

Peer Median: 0.71%

#985 of 1024 Bottom 3.9% in 100M-500M tier

797

Loan Growth Rate

growth

Value: -1.80%

Peer Median: 3.02%

#797 of 1024 Bottom 22.3% in 100M-500M tier