UTAH POWER
Charter #67132 | UT
1B-3B
(304 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
5 1B-3B in UT
UTAH POWER has 8 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 15.2% in tier
- + Emerging Performer: Top 16.3% in tier
- + Organic Growth Engine: Top 22.2% in tier
- + Relationship Depth Leader: Top 29.1% in tier
- + Organic Growth Leader: Top 29.3% 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
- - Liquidity Overhang: Bottom 5.0% in tier
- - Growth-at-Risk: 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 |
| 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
|
54th in tier |
| 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%
+0.8% 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
|
-18.8% |
18.8%
-2.8% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
Bottom 12.4% in tier |
Signature Analysis
Strengths (5)
Wallet Share Momentum
growth
#111 of 264 • Top 15.2% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
5.15%
(Tier:
3.04%, National:
4.19%)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank improving
Emerging Performer
growth
#87 of 184 • Top 16.3% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.70%
(Tier:
0.71%, National:
0.71%)
Member Growth (YoY):
1.49%
(Tier:
3.18%, National:
9.37%)
184 of 380 Mid-Market CUs have this signature
| 852 nationally
↑ Growing
+18 CUs YoY
|
New qualifier
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%)
Return on Assets:
0.70%
(Tier:
0.71%, National:
0.71%)
Indirect Auto %:
0.03%
(Tier:
18.80%, National:
7.90%)
246 of 380 Mid-Market CUs have this signature
| 917 nationally
↑ Growing
+14 CUs YoY
|
Rank improving
Relationship Depth Leader
growth
#211 of 264 • Top 29.1% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
5.15%
(Tier:
3.04%, National:
4.19%)
Share Draft per Member:
$1.4K
(Tier: $3.1K, National: $2.0K)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank improving
Organic Growth Leader
growth
#116 of 138 • Top 29.3% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
1.49%
(Tier:
3.18%, National:
9.37%)
138 of 380 Mid-Market CUs have this signature
| 608 nationally
↑ Growing
+11 CUs YoY
|
Rank improving
Concerns (3)
Liquidity Overhang
risk
#17 of 113 • Bottom 5.0% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
13.53%
(Tier:
11.30%, National:
14.51%)
Loan-to-Share Ratio:
55.84%
(Tier:
86.35%, National:
67.96%)
113 of 380 Mid-Market CUs have this signature
| 691 nationally
↑ Growing
+9 CUs YoY
|
Rank improving
Growth-at-Risk
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%)
Delinquency Change (YoY):
0.10% points
(Tier:
0.07% points, National:
0.07% points)
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)
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)
Top Strengths (8 metrics)
15
Average Member Relationship (AMR)
engagement
Value:
$45,440
Peer Avg: $29,172
#15 of 304
Top 4.6% in 1B-3B tier
23
Net Charge-Off Rate
risk
Value:
0.11%
Peer Avg: 0.60%
#23 of 304
Top 7.2% in 1B-3B tier
25
Efficiency Ratio
profitability
Value:
60.41%
Peer Avg: 73.97%
#25 of 304
Top 7.9% in 1B-3B tier
34
Total Delinquency Rate (60+ days)
risk
Value:
0.28%
Peer Avg: 0.83%
#34 of 304
Top 10.9% in 1B-3B tier
36
Members Per Employee (MPE)
engagement
Value:
461.985
Peer Avg: 364.953
#36 of 304
Top 11.5% in 1B-3B tier
40
Net Worth Ratio
risk
Value:
13.53%
Peer Avg: 11.44%
#40 of 304
Top 12.8% in 1B-3B tier
43
Indirect Auto Concentration (%)
balance_sheet
Value:
0.03%
Peer Avg: 18.32%
#43 of 304
Top 13.8% in 1B-3B tier
47
Loan-to-Member Ratio (LMR)
engagement
Value:
$16,283
Peer Avg: $13,213
#47 of 304
Top 15.1% in 1B-3B tier
Top Weaknesses (9 metrics)
302
Total Members
engagement
Value:
30,953
Peer Avg: 98,678
#302 of 304
Bottom 1.0% in 1B-3B tier
299
Net Interest Margin (NIM)
profitability
Value:
1.59%
Peer Avg: 3.26%
#299 of 304
Bottom 2.0% in 1B-3B tier
299
Total Loans
balance_sheet
Value:
$504.00M
Peer Avg: $1.23B
#299 of 304
Bottom 2.0% in 1B-3B tier
296
Share Certificate Concentration (%)
balance_sheet
Value:
48.60%
Peer Avg: 28.53%
#296 of 304
Bottom 3.0% in 1B-3B tier
292
Loan-to-Share Ratio
balance_sheet
Value:
55.84%
Peer Avg: 85.19%
#292 of 304
Bottom 4.3% in 1B-3B tier
292
Total Assets
balance_sheet
Value:
$1.04B
Peer Avg: $1.72B
#292 of 304
Bottom 4.3% in 1B-3B tier
286
Fee Income Per Member
profitability
Value:
$110.65
Peer Avg: $210.52
#286 of 304
Bottom 6.2% in 1B-3B tier
283
Total Deposits
balance_sheet
Value:
$902.52M
Peer Avg: $1.45B
#283 of 304
Bottom 7.2% in 1B-3B tier
251
First Mortgage Concentration (%)
balance_sheet
Value:
46.98%
Peer Avg: 34.01%
#251 of 304
Bottom 17.8% in 1B-3B tier