BlastPoint's Credit Union Scorecard
HOLLYFRONTIER EMPLOYEE'S
Charter #67078 · UT
HOLLYFRONTIER EMPLOYEE'S has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.58% above tier average
- + Net Interest Margin 1.13% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.7% in tier
- + Net Worth Ratio: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -8.1% YoY
- - Share Certificate Concentration (%): Bottom 4.5% in tier
- - Member Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
706
-8.1% YoY-4.9% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$5.9M
+4.0% YoY-1.8% QoQ
|
$-24.2M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$4.7M
-2.7% YoY+0.7% QoQ
|
$-11.0M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$4.0M
+4.0% YoY-2.5% QoQ
|
$-21.7M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
19% |
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| ROA |
1.2%
-17.6% YoY-16.2% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
5.1%
-3.0% YoY-1.3% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Top 12.8% in tier |
| Efficiency Ratio |
70.7%
+2.2% YoY+3.7% QoQ
|
-11.9% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
1.5%
+7059.6% YoY-27.3% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
118.6%
-6.4% YoY+3.2% QoQ
|
+58.0% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
Top 0.9% in tier |
| AMR |
$12,342
+9.0% YoY+4.3% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration |
48.2%
+15.2% YoY+0.6% QoQ
|
+23.7% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.8% | 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)