BlastPoint's Credit Union Scorecard
BECKSTRAND AND ASSOCIATES
Charter #67140 · UT
BECKSTRAND AND ASSOCIATES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 0.1% in tier
- + Efficiency Ratio: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Loan Growth Rate: Bottom 0.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.1% in tier
- - Net Charge-Off Rate: Bottom 0.1% in tier
- - Indirect Auto Concentration (%): Bottom 0.1% in tier
- - First Mortgage Concentration (%): Bottom 0.1% in tier
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Total Deposits: Bottom 0.1% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16
0% YoY0% QoQ
|
-2.6K |
2,585
-1.7% YoY
|
84,939
+12.5% YoY
|
34,678
+6.6% YoY
|
Bottom 0.1% in tier |
| Assets |
$166,378
-29.0% YoY+0.9% QoQ
|
$-30.1M |
$30.3M
+1.5% YoY
|
$1.4B
+17.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 0.7% in tier |
| Loans | $0.0 | $-15.5M |
$15.5M
-1.7% YoY
|
$1.1B
+18.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 0.1% in tier |
| Deposits |
$115.0
0% YoY0% QoQ
|
$-25.8M |
$25.8M
+1.1% YoY
|
$1.2B
+16.7% YoY
|
$504.8M
+10.3% YoY
|
Bottom 0.1% in tier |
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| ROA |
1.4%
-7.6% YoY+40.0% QoQ
|
-0.1% |
1.5%
+241.5% YoY
|
1.0%
+17.0% YoY
|
1.2%
+121.4% YoY
|
75% |
| NIM |
3.1%
+60.8% YoY+172.2% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
3.4%
+1.5% YoY
|
3.8%
+2.3% YoY
|
19% |
| Efficiency Ratio |
56.0%
+138.8% YoY+288.6% QoQ
|
-32.8% |
88.8%
-6.9% YoY
|
73.7%
+1.7% YoY
|
83.0%
-5.3% YoY
|
Top 8.0% in tier |
| Delinquency Rate | - | - |
1.5%
+2.1% YoY
|
0.8%
+17.2% YoY
|
1.3%
+2.6% YoY
|
- |
| Loan To Share | 0.0% | -58.9% |
58.9%
-3.1% YoY
|
75.6%
-3.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 0.1% in tier |
| AMR |
$7.2
0% YoY0% QoQ
|
$-15K |
$14,963
-6.8% YoY
|
$21,736
+3.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.1% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 28.5% | 20.0% | 50% |
| Indirect Auto % | - | - | 13.6% | 6.3% | 7.7% | - |
Signature Analysis
Strengths (0)
Concerns (0)
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)