BlastPoint's Credit Union Scorecard
SOUTH SANPETE
Charter #67130 · UT
SOUTH SANPETE has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% 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 8.1% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 4.7% in tier
- - Total Assets: Bottom 5.9% in tier
- - Members Per Employee (MPE): Bottom 6.0% in tier
- - Total Deposits: Bottom 6.6% in tier
- - Total Loans: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
196
+2.1% YoY+1.0% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
Bottom 4.6% in tier |
| Assets |
$1.1M
+0.4% YoY+3.1% QoQ
|
$-29.1M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.9% in tier |
| Loans |
$614,588
-5.2% YoY+0.8% QoQ
|
$-15.1M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.5% in tier |
| Deposits |
$926,799
-0.4% YoY+3.3% QoQ
|
$-24.8M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.5% in tier |
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| ROA |
0.7%
+6.1% YoY+4.3% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
2.9%
+5.6% YoY+5.1% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
62.8%
+2.9% YoY+1.2% QoQ
|
-19.8% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.7% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
66.3%
-4.8% YoY-2.4% QoQ
|
+5.7% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$7,864
-4.4% YoY+1.2% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration | 0.0% | -24.4% | 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)