BlastPoint's Credit Union Scorecard

UTAH POWER

Charter #67132 · UT

Mid-Market 1B-3B

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

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UTAH POWER has 8 strengths but faces 5 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

+ Relationship Depth Leader: Top 13.7% in tier
+ Wallet Share Momentum: Top 13.7% in tier
+ Organic Growth Engine: Top 64.8% in tier
+ Organic Growth Leader: Top 64.8% in tier
+ ROA 0.56% above tier average
+ Efficiency Ratio: Top 0.7% in tier
+ Average Member Relationship (AMR): Top 2.7% in tier
+ Net Charge-Off Rate: Top 7.0% in tier

Key Concerns

Areas that may need attention

- Total Members: Bottom 0.7% in tier
- Share Certificate Concentration (%): Bottom 2.0% in tier
- Net Interest Margin (NIM): Bottom 2.7% in tier
- Total Loans: Bottom 4.0% in tier
- Loan-to-Share Ratio: Bottom 7.3% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Utah.
Shares and deposits +6.8% year over year ($958M in shares and deposits).
Membership: 31,115 members, +0.9% vs a year ago.
Delinquency rate 0.27%.
Return on assets 1.38%.
Efficiency ratio 44.23% vs a 73.02% peer average.
Loan-to-share ratio 57.98% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	31,115 +0.9% YoY+0.7% QoQ	-65.7K	96,861 -1.9% YoY	84,939 +12.5% YoY	34,678 +6.6% YoY	Bottom 0.3% in tier
Assets	$1.1B +7.0% YoY+1.0% QoQ	$-622.0M	$1.7B +0.4% YoY	$1.4B +17.3% YoY	$593.1M +10.2% YoY	Bottom 10.7% in tier
Loans	$555.4M +13.6% YoY+5.1% QoQ	$-678.8M	$1.2B +0.7% YoY	$1.1B +18.0% YoY	$418.6M +10.1% YoY	Bottom 3.7% in tier
Deposits	$957.9M +6.8% YoY+0.9% QoQ	$-505.5M	$1.5B +0.5% YoY	$1.2B +16.7% YoY	$504.8M +10.3% YoY	Bottom 12.3% 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	1.4% +103.8% YoY+10.9% QoQ	+0.6%	0.8% +27.6% YoY	1.0% +17.0% YoY	1.2% +121.4% YoY	Top 11.7% in tier
NIM	2.1% +40.8% YoY+3.6% QoQ	-1.3%	3.4% +6.6% YoY	3.4% +1.5% YoY	3.8% +2.3% YoY	Bottom 2.3% in tier
Efficiency Ratio	44.2% -27.2% YoY-7.8% QoQ	-28.8%	73.0% -2.7% YoY	73.7% +1.7% YoY	83.0% -5.3% YoY	Top 0.7% in tier
Delinquency Rate	0.3% -30.0% YoY-19.6% QoQ	-0.6	0.9% +7.3% YoY	0.8% +17.2% YoY	1.3% +2.6% YoY	Top 7.7% in tier
Loan To Share	58.0% +6.4% YoY+4.2% QoQ	-26.7%	84.7% +0.1% YoY	75.6% -3.6% YoY	66.4% -1.4% YoY	Bottom 7.0% in tier
AMR	$48,636 +8.2% YoY+1.7% QoQ	+$19K	$29,575 +1.5% YoY	$21,736 +3.5% YoY	$20,028 -0.9% YoY	Top 3.0% in tier
CD Concentration	51.0% +8.2% YoY+2.3% QoQ	+21.9%	29.1%	28.5%	20.0%	Top 1.9% in tier
Indirect Auto %	0.0%	-18.1%	18.1%	6.3%	7.7%	Top 12.0% in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#19 of 69 • Top 13.7% 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): 8.24%

(Tier: 3.62%, National: 35.20%)

better than tier avg

Share Draft per Member: $1.5K

(Tier: $3.2K, National: $2.1K)

but worse than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | Rank improving

Wallet Share Momentum

growth

#51 of 125 • Top 13.7% in tier

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

Why This Signature

AMR Growth (YoY): 8.24%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | New qualifier

Organic Growth Engine

growth

#50 of 113 • Top 64.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.87%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Return on Assets: 1.38%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.02%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Organic Growth Leader

growth

#104 of 112 • Top 64.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.87%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 0.02%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank improving

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (11 metrics)

Efficiency Ratio

profitability

Value: 44.23%

Peer Median: 73.62%

#3 of 300 Top 0.7% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $48,636

Peer Median: $28,089

#9 of 300 Top 2.7% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: 0.52%

#22 of 300 Top 7.0% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.27%

Peer Median: 0.70%

#24 of 300 Top 7.7% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 478.692

Peer Median: 346.173

#25 of 300 Top 8.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,850

Peer Median: $12,809

#27 of 300 Top 8.7% in 1B-3B tier

Loan Growth Rate

growth

Value: 13.63%

Peer Median: 5.71%

#33 of 300 Top 10.7% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.38%

Peer Median: 0.77%

#35 of 300 Top 11.3% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.02%

Peer Median: 14.26%

#40 of 300 Top 13.0% in 1B-3B tier

AMR Growth Rate

growth

Value: 8.24%

Peer Median: 3.19%

#44 of 300 Top 14.3% in 1B-3B tier

Top Weaknesses (8 metrics)

299

Total Members

engagement

Value: 31,115

Peer Median: 86,516

#299 of 300 Bottom 0.7% in 1B-3B tier

295

Share Certificate Concentration (%)

balance_sheet

Value: 51.03%

Peer Median: 28.24%

#295 of 300 Bottom 2.0% in 1B-3B tier

293

Net Interest Margin (NIM)

profitability

Value: 2.08%

Peer Median: 3.46%

#293 of 300 Bottom 2.7% in 1B-3B tier

289

Total Loans

balance_sheet

Value: $555.41M

Peer Median: $1.14B

#289 of 300 Bottom 4.0% in 1B-3B tier

279

Loan-to-Share Ratio

balance_sheet

Value: 57.98%

Peer Median: 87.07%

#279 of 300 Bottom 7.3% in 1B-3B tier

268

Total Assets

balance_sheet

Value: $1.10B

Peer Median: $1.51B

#268 of 300 Bottom 11.0% in 1B-3B tier

263

Total Deposits

balance_sheet

Value: $957.89M

Peer Median: $1.30B

#263 of 300 Bottom 12.7% in 1B-3B tier

259

First Mortgage Concentration (%)

balance_sheet

Value: 49.23%

Peer Median: 33.59%

#259 of 300 Bottom 14.0% in 1B-3B tier