BlastPoint's Credit Union Scorecard
UTAH POWER
Charter #67132 · UT
UTAH POWER has 8 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does UT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 32.3% in tier
- + Wallet Share Momentum: Top 32.3% in tier
- + Emerging Performer: Top 39.6% in tier
- + Organic Growth Engine: Top 62.1% in tier
- + Organic Growth Leader: Top 62.1% in tier
- + ROA 0.11% above tier average
- + Efficiency Ratio: Top 3.3% in tier
- + Average Member Relationship (AMR): Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 28.2% in tier
- - Credit Quality Pressure: Bottom 41.4% in tier
- - Total Members: Bottom 0.7% in tier
- - Net Interest Margin (NIM): Bottom 2.0% in tier
- - Total Loans: Bottom 2.3% in tier
- - Share Certificate Concentration (%): Bottom 2.3% in tier
- - Loan-to-Share Ratio: Bottom 4.0% in tier
- - Total Assets: Bottom 5.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,748
+1.2% YoY-0.7% QoQ
|
-66.7K |
97,431
-2.4% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
Bottom 0.3% in tier |
| Assets |
$1.1B
+6.4% YoY+1.6% QoQ
|
$-666.2M |
$1.7B
+0.9% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.6% in tier |
| Loans |
$517.0M
+9.1% YoY+2.6% QoQ
|
$-717.4M |
$1.2B
+0.5% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.0% in tier |
| Deposits |
$914.8M
+4.9% YoY+1.4% QoQ
|
$-544.5M |
$1.5B
+0.9% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.6% in tier |
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| ROA |
0.8%
+193.5% YoY+12.9% QoQ
|
+0.1% |
0.7%
+20.9% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
1.7%
+53.3% YoY+4.5% QoQ
|
-1.6% |
3.3%
+9.2% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.7% in tier |
| Efficiency Ratio |
57.3%
-27.8% YoY-5.1% QoQ
|
-16.7% |
74.1%
-9.5% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
Top 3.3% in tier |
| Delinquency Rate |
0.3%
+25.9% YoY+21.1% QoQ
|
-0.6 |
0.9%
+6.2% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
Top 13.2% in tier |
| Loan To Share |
56.5%
+4.0% YoY+1.2% QoQ
|
-28.3% |
84.8%
-0.8% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.6% in tier |
| AMR |
$46,567
+5.1% YoY+2.5% QoQ
|
+$17K |
$29,428
+2.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
Top 5.0% in tier |
| CD Concentration |
48.9%
+8.6% YoY+0.7% QoQ
|
+19.9% | 29.0% | 28.4% | 19.8% | Top 2.1% in tier |
| Indirect Auto % |
0.0%
-58.1% YoY
|
-18.3% | 18.3% | 7.4% | 7.8% | Top 12.5% in tier |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)