BlastPoint's Credit Union Scorecard
PROVO POLICE & FIRE DEPT.
Charter #67110 · UT
2596 CUs in <100M nationally
30 in UT
PROVO POLICE & FIRE DEPT. has 6 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.18% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency ratio 7.46% above tier (higher cost structure)
- - Member decline: -27.4% YoY
- - Asset Growth Rate: Bottom 0.7% in tier
- - Deposit Growth Rate: Bottom 0.7% in tier
- - Member Growth Rate: Bottom 1.2% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Loan Growth Rate: Bottom 5.3% in tier
- - Average Member Relationship (AMR): Bottom 6.1% in tier
- - Total Assets: Bottom 8.1% in tier
- - Total Deposits: Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
625
-27.4% YoY-19.8% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
17% |
| Assets |
$1.6M
-28.1% YoY-13.8% QoQ
|
$-28.3M |
$29.9M
+1.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.1% in tier |
| Loans |
$1.2M
-21.1% YoY-0.7% QoQ
|
$-14.5M |
$15.8M
-2.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.0% in tier |
| Deposits |
$1.2M
-34.6% YoY-17.6% QoQ
|
$-24.3M |
$25.5M
+0.4% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.1% in tier |
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| ROA |
0.5%
-4.6% YoY-10.4% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
4.1%
+16.0% YoY+9.3% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
59% |
| Efficiency Ratio |
88.9%
+2.8% YoY+2.8% QoQ
|
+7.5% |
81.4%
-2.4% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
103.1%
+20.7% YoY+20.5% QoQ
|
+41.9% |
61.2%
-3.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 2.9% in tier |
| AMR |
$3,879
-1.3% YoY+12.4% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.1% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
71
Loan-to-Share Ratio
balance_sheet
Value:
103.09%
Peer Avg: -
#71 of 2596
Top 2.7% in <100M tier
287
Net Worth Ratio
risk
Value:
25.00%
Peer Avg: -
#287 of 2596
Top 11.0% in <100M tier
Top Weaknesses (11 metrics)
2579
Asset Growth Rate
growth
Value:
-28.10%
Peer Avg: -
#2579 of 2596
Bottom 0.7% in <100M tier
2578
Deposit Growth Rate
growth
Value:
-34.59%
Peer Avg: -
#2578 of 2596
Bottom 0.7% in <100M tier
2566
Member Growth Rate
growth
Value:
-27.41%
Peer Avg: -
#2566 of 2596
Bottom 1.2% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2459
Loan Growth Rate
growth
Value:
-21.07%
Peer Avg: -
#2459 of 2596
Bottom 5.3% in <100M tier
2438
Average Member Relationship (AMR)
engagement
Value:
$3,879
Peer Avg: -
#2438 of 2596
Bottom 6.1% in <100M tier
2387
Total Assets
balance_sheet
Value:
$1.59M
Peer Avg: -
#2387 of 2596
Bottom 8.1% in <100M tier
2386
Total Deposits
balance_sheet
Value:
$1.19M
Peer Avg: -
#2386 of 2596
Bottom 8.1% in <100M tier
2267
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,969
Peer Avg: -
#2267 of 2596
Bottom 12.7% in <100M tier
2259
Total Loans
balance_sheet
Value:
$1.23M
Peer Avg: -
#2259 of 2596
Bottom 13.0% in <100M tier