BlastPoint's Credit Union Scorecard
HOLLYFRONTIER EMPLOYEE'S
Charter #67078 · UT
HOLLYFRONTIER EMPLOYEE'S has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.78% above tier average
- + Net Interest Margin 1.17% above tier average
- + Loan-to-Share Ratio: Top 0.8% in tier
- + Net Worth Ratio: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.19% above tier average
- - Member decline: -8.1% YoY
- - Share Certificate Concentration (%): Bottom 4.1% in tier
- - Member Growth Rate: Bottom 8.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
689
-8.1% YoY-2.4% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
19% |
| Assets |
$6.0M
+4.5% YoY+1.3% QoQ
|
$-24.2M |
$30.2M
+1.3% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$4.6M
-3.4% YoY-2.0% QoQ
|
$-10.6M |
$15.3M
-2.0% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
32% |
| Deposits |
$4.0M
+5.0% YoY+1.4% QoQ
|
$-21.7M |
$25.8M
+0.7% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA |
0.9%
-49.1% YoY-22.4% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
66% |
| NIM |
5.2%
-9.6% YoY+1.9% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
Top 9.4% in tier |
| Efficiency Ratio |
73.3%
+11.9% YoY+3.8% QoQ
|
-17.3% |
90.6%
+6.5% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
31% |
| Delinquency Rate |
1.7%
+264.4% YoY+14.7% QoQ
|
+0.2 |
1.5%
+3.8% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
77% |
| Loan To Share |
114.7%
-8.0% YoY-3.3% QoQ
|
+56.2% |
58.5%
-3.0% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Top 1.0% in tier |
| AMR |
$12,593
+9.2% YoY+2.0% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
43% |
| CD Concentration |
48.8%
+18.0% YoY+1.3% QoQ
|
+24.5% | 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)