BlastPoint's Credit Union Scorecard

UTAH POWER

Charter #67132 · UT

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 5 in UT
View Mid-Market leaderboard →

UTAH POWER has 9 strengths but faces 10 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 50.0% in tier
  • + Organic Growth Engine: Top 66.7% in tier
  • + Organic Growth Leader: Top 92.2% in tier
  • + Emerging Performer: Top 94.7% in tier
  • + Wallet Share Momentum: Top 97.5% in tier
  • + ROA 0.11% above tier average
  • + Efficiency Ratio: Top 3.3% in tier
  • + Average Member Relationship (AMR): Top 4.6% in tier
  • + Net Charge-Off Rate: Top 5.0% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 55.2% in tier
  • - Credit Quality Pressure: Bottom 72.9% 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
  • - Total Deposits: Bottom 7.9% in tier
  • - Fee Income Per Member: Bottom 8.9% 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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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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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
 Bottom 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
 Bottom 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-17.8% QoQ
 -18.3% 18.3% 7.4% 7.8% Bottom 12.5% in tier

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth
#33 of 65 • Top 50.0% 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): 5.12%
(Tier: 3.31%, National: 4.00%)
better than tier avg
Share Draft per Member: $1.6K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
65 of 378 Mid-Market CUs have this signature | 351 nationally
↑ Growing +20 CUs YoY | Rank improving

Organic Growth Engine

growth
#165 of 247 • Top 66.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.15%
(Tier: 3.43%, National: 4.32%)
but worse than tier avg
Return on Assets: 0.79%
(Tier: 0.69%, National: 0.67%)
better than tier avg
Indirect Auto %: 0.02%
(Tier: 18.31%, National: 7.78%)
better than tier avg
247 of 378 Mid-Market CUs have this signature | 913 nationally
→ No prior data (247 CUs now) | New qualifier

Organic Growth Leader

growth
#131 of 142 • Top 92.2% in tier

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

Why This Signature
Member Growth (YoY): 1.15%
(Tier: 3.43%, National: 4.32%)
but worse than tier avg
Indirect Auto %: 0.02%
(Tier: 18.31%, National: 7.78%)
better than tier avg
142 of 378 Mid-Market CUs have this signature | 609 nationally
→ No prior data (142 CUs now) | New qualifier

Emerging Performer

growth
#73 of 77 • Top 94.7% 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: 0.79%
(Tier: 0.69%, National: 0.67%)
better than tier avg
Member Growth (YoY): 1.15%
(Tier: 3.43%, National: 4.32%)
but worse than tier avg
77 of 378 Mid-Market CUs have this signature | 282 nationally
→ No prior data (77 CUs now) | New qualifier

Wallet Share Momentum

growth
#120 of 123 • Top 97.5% in tier

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

Why This Signature
AMR Growth (YoY): 5.12%
(Tier: 3.31%, National: 4.00%)
better than tier avg
123 of 378 Mid-Market CUs have this signature | 662 nationally
↑ Growing +38 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk
#91 of 164 • Bottom 55.2% in tier

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

Why This Signature
Loan Growth (YoY): 9.06%
(Tier: 6.38%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 0.07% points
(Tier: 0.06% points, National: 0.06% points)
worse than tier avg
164 of 378 Mid-Market CUs have this signature | 665 nationally
→ No prior data (164 CUs now) | New qualifier

Credit Quality Pressure

risk
#154 of 211 • Bottom 72.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.07% points
(Tier: 0.06% points, National: 0.06% points)
worse than tier avg
211 of 378 Mid-Market CUs have this signature | 969 nationally
↓ Shrinking -59 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)

Comparing against 302 peers in tier

Top Strengths (8 metrics)

11
Efficiency Ratio
profitability
Value: 57.34%
Peer Median: -
#11 of 302 Top 3.3% in 1B-3B tier
15
Average Member Relationship (AMR)
engagement
Value: $46,567
Peer Median: -
#15 of 302 Top 4.6% in 1B-3B tier
16
Net Charge-Off Rate
risk
Value: 0.08%
Peer Median: -
#16 of 302 Top 5.0% in 1B-3B tier
33
Members Per Employee (MPE)
engagement
Value: 458.925
Peer Median: -
#33 of 302 Top 10.6% in 1B-3B tier
37
Net Worth Ratio
risk
Value: 13.59%
Peer Median: -
#37 of 302 Top 11.9% in 1B-3B tier
41
Total Delinquency Rate (60+ days)
risk
Value: 0.34%
Peer Median: -
#41 of 302 Top 13.2% in 1B-3B tier
43
Loan-to-Member Ratio (LMR)
engagement
Value: $16,815
Peer Median: -
#43 of 302 Top 13.9% in 1B-3B tier
44
Indirect Auto Concentration (%)
balance_sheet
Value: 0.02%
Peer Median: -
#44 of 302 Top 14.2% in 1B-3B tier

Top Weaknesses (9 metrics)

301
Total Members
engagement
Value: 30,748
Peer Median: -
#301 of 302 Bottom 0.7% in 1B-3B tier
297
Net Interest Margin (NIM)
profitability
Value: 1.67%
Peer Median: -
#297 of 302 Bottom 2.0% in 1B-3B tier
296
Total Loans
balance_sheet
Value: $517.02M
Peer Median: -
#296 of 302 Bottom 2.3% in 1B-3B tier
296
Share Certificate Concentration (%)
balance_sheet
Value: 48.93%
Peer Median: -
#296 of 302 Bottom 2.3% in 1B-3B tier
291
Loan-to-Share Ratio
balance_sheet
Value: 56.52%
Peer Median: -
#291 of 302 Bottom 4.0% in 1B-3B tier
288
Total Assets
balance_sheet
Value: $1.06B
Peer Median: -
#288 of 302 Bottom 5.0% in 1B-3B tier
279
Total Deposits
balance_sheet
Value: $914.81M
Peer Median: -
#279 of 302 Bottom 7.9% in 1B-3B tier
276
Fee Income Per Member
profitability
Value: $125.14
Peer Median: -
#276 of 302 Bottom 8.9% in 1B-3B tier
251
First Mortgage Concentration (%)
balance_sheet
Value: 47.07%
Peer Median: -
#251 of 302 Bottom 17.2% in 1B-3B tier
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