BlastPoint's Credit Union Scorecard

UTAH POWER

Charter #67132 · UT

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 5 in UT

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UTAH POWER has 9 strengths but faces 11 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 22.2% in tier
+ Organic Growth Leader: Top 29.3% in tier
+ Credit Quality Leader: Top 45.7% in tier
+ Relationship Depth Leader: Top 47.0% in tier
+ Emerging Performer: Top 94.4% in tier
+ Wallet Share Momentum: Top 95.7% in tier
+ Average Member Relationship (AMR): Top 4.6% in tier
+ Net Charge-Off Rate: Top 7.2% in tier
+ Efficiency Ratio: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 16.7% in tier
- Credit Quality Pressure: Bottom 17.4% in tier
- ROA 0.00% below tier average
- Total Members: Bottom 1.0% in tier
- Net Interest Margin (NIM): Bottom 2.0% in tier
- Total Loans: Bottom 2.0% in tier
- Share Certificate Concentration (%): Bottom 3.0% in tier
- Loan-to-Share Ratio: Bottom 4.3% in tier
- Total Assets: Bottom 4.3% in tier
- Fee Income Per Member: Bottom 6.2% in tier
- Total Deposits: Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	30,953 +1.5% YoY+0.3% QoQ	-67.7K	98,678 -1.9% YoY	76,315 +6.4% YoY	33,089 +6.1% YoY	Bottom 0.7% in tier
Assets	$1.0B +7.3% YoY+1.0% QoQ	$-679.3M	$1.7B +0.5% YoY	$1.2B +10.2% YoY	$547.7M +7.8% YoY	Bottom 3.9% in tier
Loans	$504.0M +7.2% YoY+3.1% QoQ	$-729.1M	$1.2B +0.5% YoY	$924.9M +10.2% YoY	$388.7M +8.6% YoY	Bottom 1.6% in tier
Deposits	$902.5M +6.5% YoY+0.6% QoQ	$-551.8M	$1.5B +1.3% YoY	$1.1B +10.6% YoY	$464.6M +9.3% YoY	Bottom 6.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +207.2% YoY+3.5% QoQ	-0.0%	0.7% +13.4% YoY	0.9% +11.6% YoY	0.7% +273.4% YoY	54%
NIM	1.6% +52.0% YoY+7.8% QoQ	-1.7%	3.3% +9.3% YoY	3.4% +7.0% YoY	3.7% +5.0% YoY	Bottom 1.6% in tier
Efficiency Ratio	60.4% -26.3% YoY-0.6% QoQ	-13.6%	74.0% -10.9% YoY	71.6% -3.7% YoY	79.1% -3.3% YoY	Bottom 7.9% in tier
Delinquency Rate	0.3% +52.1% YoY-26.4% QoQ	-0.5	0.8% +6.1% YoY	0.7% +11.8% YoY	1.2% -0.9% YoY	Bottom 10.9% in tier
Loan To Share	55.8% +0.7% YoY+2.5% QoQ	-29.4%	85.2% -0.8% YoY	78.2% -2.6% YoY	68.0% -1.7% YoY	Bottom 3.9% in tier
AMR	$45,440 +5.2% YoY+1.1% QoQ	+$16K	$29,172 +2.8% YoY	$21,167 +3.5% YoY	$19,418 +1.3% YoY	Top 4.9% in tier
CD Concentration	48.6% +12.3% YoY+3.1% QoQ	+19.6%	29.0% +0.7% YoY	27.9% +4.6% YoY	19.6% +6.2% YoY	Top 2.9% in tier
Indirect Auto %	0.0% -58.4% YoY-17.9% QoQ	-18.7%	18.8% -3.0% YoY	7.4% -10.5% YoY	7.9% -2.9% YoY	Bottom 12.4% in tier

Signature Analysis

Strengths (6)

Organic Growth Engine

growth

#162 of 246 • Top 22.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.49%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.70%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.03%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank improving

Organic Growth Leader

growth

#116 of 138 • Top 29.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.49%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 0.03%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank improving

Credit Quality Leader

growth

#44 of 95 • Top 45.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.28%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.07% points, National: 0.07% points)

but worse than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank improving

Relationship Depth Leader

growth

#32 of 67 • Top 47.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.15%

(Tier: 3.04%, National: 4.19%)

better than tier avg

Share Draft per Member: $1.4K

(Tier: $3.1K, National: $2.0K)

but worse than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | Rank improving

Emerging Performer

growth

#68 of 72 • Top 94.4% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.70%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 1.49%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

72 of 380 Mid-Market CUs have this signature | 288 nationally

↑ Growing +13 CUs YoY | New qualifier

Wallet Share Momentum

growth

#111 of 116 • Top 95.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.15%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk

#94 of 161 • Bottom 16.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.18%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk

#134 of 217 • Bottom 17.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (8 metrics)

Average Member Relationship (AMR)

engagement

Value: $45,440

Peer Avg: -

#15 of 304 Top 4.6% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.11%

Peer Avg: -

#23 of 304 Top 7.2% in 1B-3B tier

Efficiency Ratio

profitability

Value: 60.41%

Peer Avg: -

#25 of 304 Top 7.9% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.28%

Peer Avg: -

#34 of 304 Top 10.9% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 461.985

Peer Avg: -

#36 of 304 Top 11.5% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.53%

Peer Avg: -

#40 of 304 Top 12.8% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.03%

Peer Avg: -

#43 of 304 Top 13.8% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,283

Peer Avg: -

#47 of 304 Top 15.1% in 1B-3B tier

Top Weaknesses (9 metrics)

302

Total Members

engagement

Value: 30,953

Peer Avg: -

#302 of 304 Bottom 1.0% in 1B-3B tier

299

Net Interest Margin (NIM)

profitability

Value: 1.59%

Peer Avg: -

#299 of 304 Bottom 2.0% in 1B-3B tier

299

Total Loans

balance_sheet

Value: $504.00M

Peer Avg: -

#299 of 304 Bottom 2.0% in 1B-3B tier

296

Share Certificate Concentration (%)

balance_sheet

Value: 48.60%

Peer Avg: -

#296 of 304 Bottom 3.0% in 1B-3B tier

292

Loan-to-Share Ratio

balance_sheet

Value: 55.84%

Peer Avg: -

#292 of 304 Bottom 4.3% in 1B-3B tier

292

Total Assets

balance_sheet

Value: $1.04B

Peer Avg: -

#292 of 304 Bottom 4.3% in 1B-3B tier

286

Fee Income Per Member

profitability

Value: $110.65

Peer Avg: -

#286 of 304 Bottom 6.2% in 1B-3B tier

283

Total Deposits

balance_sheet

Value: $902.52M

Peer Avg: -

#283 of 304 Bottom 7.2% in 1B-3B tier

251

First Mortgage Concentration (%)

balance_sheet

Value: 46.98%

Peer Avg: -

#251 of 304 Bottom 17.8% in 1B-3B tier