BlastPoint's Credit Union Scorecard
UTAH HERITAGE
Charter #67076 · UT
UTAH HERITAGE has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 24.3% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.97% above tier average
- + Net Interest Margin 0.25% above tier average
- + Efficiency Ratio: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.0% in tier
- - Credit Risk Growth: Bottom 29.7% in tier
- - Stagnation Risk: Bottom 56.8% in tier
- - Membership Headwinds: Bottom 70.3% in tier
- - Delinquency rate 1.57% above tier average
- - Share Certificate Concentration (%): Bottom 1.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,609
-1.7% YoY-2.9% QoQ
|
-6.8K |
15,437
-2.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$159.7M
+8.9% YoY+2.7% QoQ
|
$-72.1M |
$231.9M
+1.3% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$110.5M
+3.4% YoY+2.0% QoQ
|
$-36.8M |
$147.3M
-0.1% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$138.6M
+8.0% YoY+2.4% QoQ
|
$-62.2M |
$200.8M
+0.8% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
34% |
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 |
1.7%
+10.7% YoY-1.9% QoQ
|
+1.0% |
0.8%
+18.2% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
Top 5.2% in tier |
| NIM |
3.9%
+5.5% YoY-0.5% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
55.7%
-4.6% YoY+0.9% QoQ
|
-21.3% |
77.0%
-3.1% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.6% in tier |
| Delinquency Rate |
2.5%
+74.4% YoY+26.2% QoQ
|
+1.6 |
0.9%
+4.2% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
Top 4.4% in tier |
| Loan To Share |
79.7%
-4.3% YoY-0.4% QoQ
|
+7.5% |
72.2%
-1.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$28,943
+7.8% YoY+5.3% QoQ
|
+$4K |
$24,676
+3.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
79% |
| CD Concentration |
49.4%
+5.7% YoY+2.5% QoQ
|
+25.0% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % |
9.1%
-14.6% YoY-9.0% QoQ
|
-4.7% | 13.8% | 7.4% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)