BlastPoint's Credit Union Scorecard
BECKSTRAND AND ASSOCIATES
Charter #67140 · UT
BECKSTRAND AND ASSOCIATES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.82% above tier average
- + Net Worth Ratio: Top 0.1% in tier
- + Efficiency Ratio: Top 0.3% in tier
Key Concerns
Areas that may need attention
- - Loan Growth Rate: Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.0% in tier
- - Net Charge-Off Rate: Bottom 0.0% in tier
- - Indirect Auto Concentration (%): Bottom 0.0% in tier
- - First Mortgage Concentration (%): Bottom 0.0% in tier
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Deposits: Bottom 0.1% in tier
- - Total Members: Bottom 0.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16
0% YoY0% QoQ
|
-2.7K |
2,676
+1.6% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
Bottom 0.1% in tier |
| Assets |
$164,908
-10.3% YoY+0.0% QoQ
|
$-30.0M |
$30.2M
+1.3% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.8% in tier |
| Loans | $0.0 | $-15.3M |
$15.3M
-2.0% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.1% in tier |
| Deposits |
$115.0
0% YoY0% QoQ
|
$-25.8M |
$25.8M
+0.7% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.1% in tier |
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| ROA |
1.0%
-36.3% YoY-59.7% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
68% |
| NIM |
1.1%
-47.5% YoY-71.6% QoQ
|
-2.9% |
4.0%
+4.0% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.2% in tier |
| Efficiency Ratio |
14.4%
-51.1% YoY-63.6% QoQ
|
-76.2% |
90.6%
+6.5% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
Top 0.3% in tier |
| Delinquency Rate | - | - |
1.5%
+3.8% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
- |
| Loan To Share | 0.0% | -58.5% |
58.5%
-3.0% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.1% in tier |
| AMR |
$7.2
0% YoY0% QoQ
|
$-15K |
$14,884
-1.7% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.1% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 28.4% | 19.8% | 50% |
| Indirect Auto % | - | - | 13.8% | 7.1% | 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)