BlastPoint's Credit Union Scorecard
SOUTH SANPETE
Charter #67130 · UT
2596 CUs in <100M nationally
30 in UT
SOUTH SANPETE has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.02% 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
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 4.6% in tier
- - Total Assets: Bottom 5.7% in tier
- - Members Per Employee (MPE): Bottom 6.0% in tier
- - Total Deposits: Bottom 6.7% in tier
- - Total Loans: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
194
+2.1% YoY-0.5% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
Bottom 4.5% in tier |
| Assets |
$1.0M
+7.0% YoY+2.1% QoQ
|
$-28.8M |
$29.9M
+1.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.7% in tier |
| Loans |
$609,803
-8.6% YoY-4.6% QoQ
|
$-15.2M |
$15.8M
-2.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.5% in tier |
| Deposits |
$897,254
+7.2% YoY+2.2% QoQ
|
$-24.6M |
$25.5M
+0.4% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.6% in tier |
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| ROA |
0.7%
-3.4% YoY+2.8% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
46% |
| NIM |
2.8%
-6.9% YoY+4.2% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 12.9% in tier |
| Efficiency Ratio |
62.0%
+3.1% YoY-2.5% QoQ
|
-19.4% |
81.4%
-2.4% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
17% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-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 |
68.0%
-14.7% YoY-6.6% QoQ
|
+6.7% |
61.2%
-3.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
59% |
| AMR |
$7,768
-1.9% YoY-0.2% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
18% |
| 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 (9 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
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
415
Deposit Growth Rate
growth
Value:
7.19%
Peer Avg: -
#415 of 2596
Top 15.9% in <100M tier
428
Member Growth Rate
growth
Value:
2.11%
Peer Avg: -
#428 of 2596
Top 16.4% in <100M tier
436
Asset Growth Rate
growth
Value:
6.96%
Peer Avg: -
#436 of 2596
Top 16.8% in <100M tier
440
Efficiency Ratio
profitability
Value:
62.03%
Peer Avg: -
#440 of 2596
Top 16.9% in <100M tier
Top Weaknesses (9 metrics)
2478
Total Members
engagement
Value:
194
Peer Avg: -
#2478 of 2596
Bottom 4.6% in <100M tier
2448
Total Assets
balance_sheet
Value:
$1.03M
Peer Avg: -
#2448 of 2596
Bottom 5.7% in <100M tier
2440
Members Per Employee (MPE)
engagement
Value:
97.000
Peer Avg: -
#2440 of 2596
Bottom 6.0% in <100M tier
2424
Total Deposits
balance_sheet
Value:
$897,254
Peer Avg: -
#2424 of 2596
Bottom 6.7% in <100M tier
2375
Total Loans
balance_sheet
Value:
$609,803
Peer Avg: -
#2375 of 2596
Bottom 8.6% in <100M tier
2262
Net Interest Margin (NIM)
profitability
Value:
2.80%
Peer Avg: -
#2262 of 2596
Bottom 12.9% in <100M tier
2197
Fee Income Per Member
profitability
Value:
$5.93
Peer Avg: -
#2197 of 2596
Bottom 15.4% in <100M tier
2122
Average Member Relationship (AMR)
engagement
Value:
$7,768
Peer Avg: -
#2122 of 2596
Bottom 18.3% in <100M tier
1950
Loan-to-Member Ratio (LMR)
engagement
Value:
$3,143
Peer Avg: -
#1950 of 2596
Bottom 24.9% in <100M tier