BlastPoint's Credit Union Scorecard
SOUTH SANPETE
Charter #67130 · UT
<100M
2508 CUs in <100M nationally
29 in UT
SOUTH SANPETE has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.38% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 4.7% in tier
- - Members Per Employee (MPE): Bottom 6.2% in tier
- - Total Assets: Bottom 6.2% in tier
- - Total Deposits: Bottom 7.0% in tier
- - Net Interest Margin (NIM): Bottom 7.7% in tier
- - Total Loans: Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
196
+1.0% YoY0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
Bottom 4.6% in tier |
| Assets |
$1.2M
+8.1% YoY+9.2% QoQ
|
$-29.0M |
$30.2M
+1.3% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.2% in tier |
| Loans |
$576,409
-9.7% YoY-6.2% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.5% in tier |
| Deposits |
$1.0M
+8.1% YoY+10.3% QoQ
|
$-24.8M |
$25.8M
+0.7% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.9% in tier |
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| ROA |
0.5%
+16.4% YoY-28.1% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
46% |
| NIM |
2.5%
-0.8% YoY-15.3% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.6% in tier |
| Efficiency Ratio |
67.6%
-3.6% YoY+7.6% QoQ
|
-23.1% |
90.6%
+6.5% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
22% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
56.4%
-16.5% YoY-15.0% QoQ
|
-2.1% |
58.5%
-3.0% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
47% |
| AMR |
$8,156
-0.1% YoY+3.7% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.7% | 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 Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
286
Asset Growth Rate
growth
Value:
8.07%
Peer Median: 1.30%
#286 of 2508
Top 11.4% in <100M tier
309
Deposit Growth Rate
growth
Value:
8.14%
Peer Median: 0.66%
#309 of 2508
Top 12.3% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
553
Efficiency Ratio
profitability
Value:
67.56%
Peer Median: 81.45%
#553 of 2508
Top 22.0% in <100M tier
580
Member Growth Rate
growth
Value:
1.03%
Peer Median: -1.37%
#580 of 2508
Top 23.1% in <100M tier
Top Weaknesses (10 metrics)
2392
Total Members
engagement
Value:
196
Peer Median: 1,918
#2392 of 2508
Bottom 4.7% in <100M tier
2354
Members Per Employee (MPE)
engagement
Value:
98.000
Peer Median: 333.750
#2354 of 2508
Bottom 6.2% in <100M tier
2353
Total Assets
balance_sheet
Value:
$1.16M
Peer Median: $21.86M
#2353 of 2508
Bottom 6.2% in <100M tier
2334
Total Deposits
balance_sheet
Value:
$1.02M
Peer Median: $18.77M
#2334 of 2508
Bottom 7.0% in <100M tier
2317
Net Interest Margin (NIM)
profitability
Value:
2.49%
Peer Median: 3.83%
#2317 of 2508
Bottom 7.7% in <100M tier
2295
Total Loans
balance_sheet
Value:
$576,409
Peer Median: $9.48M
#2295 of 2508
Bottom 8.5% in <100M tier
2122
Fee Income Per Member
profitability
Value:
$5.20
Peer Median: $60.42
#2122 of 2508
Bottom 15.4% in <100M tier
2020
Average Member Relationship (AMR)
engagement
Value:
$8,156
Peer Median: $13,926
#2020 of 2508
Bottom 19.5% in <100M tier
1921
Loan Growth Rate
growth
Value:
-9.68%
Peer Median: -2.36%
#1921 of 2508
Bottom 23.4% in <100M tier
1902
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,941
Peer Median: $4,923
#1902 of 2508
Bottom 24.2% in <100M tier