BlastPoint's Credit Union Scorecard
FREEDOM
Charter #67129 · UT
FREEDOM has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.86% above tier average
- + Strong member growth: 15.3% YoY
- + Member Growth Rate: Top 2.4% in tier
- + Total Loans: Top 5.1% in tier
- + Loan-to-Member Ratio (LMR): Top 5.6% in tier
- + Average Member Relationship (AMR): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 6.9% in tier
- - Indirect Auto Concentration (%): Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,437
+15.3% YoY+6.9% QoQ
|
+1.8K |
2,676
+1.6% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
82% |
| Assets |
$69.7M
+3.1% YoY+2.1% QoQ
|
+$39.5M |
$30.2M
+1.3% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
Top 12.4% in tier |
| Loans |
$49.5M
+5.9% YoY+0.2% QoQ
|
+$34.2M |
$15.3M
-2.0% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
Top 5.1% in tier |
| Deposits |
$61.0M
+1.6% YoY+2.4% QoQ
|
+$35.2M |
$25.8M
+0.7% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
Top 11.8% in tier |
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| ROA |
1.0%
+20.7% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
69% |
| NIM |
3.4%
+6.1% YoY-1.1% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
32% |
| Efficiency Ratio |
73.6%
-12.5% YoY-0.1% QoQ
|
-17.0% |
90.6%
+6.5% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
32% |
| Delinquency Rate |
0.3%
-72.9% YoY+88.5% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
32% |
| Loan To Share |
81.2%
+4.2% YoY-2.2% QoQ
|
+22.7% |
58.5%
-3.0% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
83% |
| AMR |
$24,893
-10.3% YoY-5.2% QoQ
|
+$10K |
$14,884
-1.7% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
Top 8.7% in tier |
| CD Concentration |
31.0%
-11.2% YoY-2.8% QoQ
|
+6.8% | 24.3% | 28.4% | 19.8% | 50% |
| Indirect Auto % |
11.7%
+30.2% YoY+7.6% QoQ
|
-2.1% | 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)