BlastPoint's Credit Union Scorecard
HOLLYFRONTIER EMPLOYEE'S
Charter #67078 · UT
HOLLYFRONTIER EMPLOYEE'S has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.01% above tier average
- + Loan-to-Share Ratio: Top 1.0% in tier
- + Net Worth Ratio: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.74% below tier average
- - Member decline: -9.1% YoY
- - Share Certificate Concentration (%): Bottom 4.9% in tier
- - Member Growth Rate: Bottom 7.3% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 29 that size in Utah.
- Shares and deposits -1.4% year over year ($4.1M in shares and deposits).
- Membership: 679 members, -9.1% vs a year ago.
- Delinquency rate 1.50%.
- Return on assets 0.75%.
- Efficiency ratio 75.70% vs a 88.77% peer average.
- Loan-to-share ratio 112.31% vs a 58.89% 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 |
679
-9.1% YoY-1.5% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
84,939
+12.5% YoY
|
34,678
+6.6% YoY
|
19% |
| Assets |
$6.0M
+0.0% YoY+0.8% QoQ
|
$-24.2M |
$30.3M
+1.5% YoY
|
$1.4B
+17.3% YoY
|
$593.1M
+10.2% YoY
|
22% |
| Loans |
$4.6M
-5.8% YoY-1.2% QoQ
|
$-10.9M |
$15.5M
-1.7% YoY
|
$1.1B
+18.0% YoY
|
$418.6M
+10.1% YoY
|
32% |
| Deposits |
$4.1M
-1.4% YoY+0.8% QoQ
|
$-21.7M |
$25.8M
+1.1% YoY
|
$1.2B
+16.7% YoY
|
$504.8M
+10.3% YoY
|
19% |
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| ROA |
0.7%
-45.8% YoY-19.5% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.0%
+17.0% YoY
|
1.2%
+121.4% YoY
|
47% |
| NIM |
4.9%
-5.0% YoY-5.1% QoQ
|
+1.0% |
3.9%
+0.9% YoY
|
3.4%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Top 13.2% in tier |
| Efficiency Ratio |
75.7%
+9.0% YoY+3.2% QoQ
|
-13.1% |
88.8%
-6.9% YoY
|
73.7%
+1.7% YoY
|
83.0%
-5.3% YoY
|
38% |
| Delinquency Rate |
1.5%
-11.6% QoQ
|
+0.0 |
1.5%
+2.1% YoY
|
0.8%
+17.2% YoY
|
1.3%
+2.6% YoY
|
71% |
| Loan To Share |
112.3%
-4.5% YoY-2.1% QoQ
|
+53.4% |
58.9%
-3.1% YoY
|
75.6%
-3.6% YoY
|
66.4%
-1.4% YoY
|
Top 1.1% in tier |
| AMR |
$12,745
+5.8% YoY+1.2% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$21,736
+3.5% YoY
|
$20,028
-0.9% YoY
|
43% |
| CD Concentration |
47.0%
-2.2% YoY-3.7% QoQ
|
+22.4% | 24.6% | 28.5% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.3% | 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)