BlastPoint's Credit Union Scorecard

BECKSTRAND AND ASSOCIATES

Charter #67140 · UT

2556 CUs in <100M nationally 29 in UT

BECKSTRAND AND ASSOCIATES has 5 strengths but faces 14 concerns

National Analysis

How does the industry compare?
UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.78% above tier average
  • + Net Interest Margin 0.01% above tier average
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Net Worth Ratio: Top 0.1% in tier
  • + Efficiency Ratio: Top 1.6% 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
  • - Average Member Relationship (AMR): Bottom 0.1% in tier
  • - Total Loans: Bottom 0.5% in tier
  • - Loan-to-Share Ratio: Bottom 0.5% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
  • - Total Assets: Bottom 0.9% in tier
  • - Fee Income Per Member: Bottom 3.3% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Members 16
0% YoY0% QoQ
 -2.6K 2,615
-1.9% YoY
 78,581
+8.3% YoY
 33,374
+5.7% YoY
 Bottom 0.1% in tier
Assets $164,856
+2.8% YoY-6.6% QoQ
 $-30.0M $30.1M
+2.1% YoY
 $1.2B
+12.9% YoY
 $561.6M
+9.7% YoY
 Bottom 0.9% in tier
Loans $0.0 $-15.8M $15.8M
-1.3% YoY
 $958.3M
+12.4% YoY
 $397.0M
+8.8% YoY
 Bottom 0.0% in tier
Deposits $115.0
0% YoY0% QoQ
 $-25.7M $25.7M
+1.4% YoY
 $1.1B
+12.7% YoY
 $477.3M
+9.7% YoY
 Bottom 0.1% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 2.4%
+76.6% YoY-1.1% QoQ
 +1.8% 0.6%
+10.8% YoY
 0.8%
+12.1% YoY
 0.7%
+15.9% YoY
 Top 3.1% in tier
NIM 4.0%
+42.6% YoY+22.5% QoQ
 +0.0% 4.0%
+4.0% YoY
 3.4%
+4.7% YoY
 3.8%
+5.1% YoY
 53%
Efficiency Ratio 39.6%
-22.7% YoY+57.3% QoQ
 -43.0% 82.6%
-2.3% YoY
 72.6%
-3.7% YoY
 79.7%
-3.3% YoY
 Bottom 1.6% in tier
Delinquency Rate - - 1.6%
-3.1% YoY
 1.0%
+50.5% YoY
 1.3%
-2.1% YoY
 -
Loan To Share 0.0% -60.6% 60.6%
-3.1% YoY
 76.7%
-4.3% YoY
 67.4%
-1.7% YoY
 Bottom 0.0% in tier
AMR $7.2
0% YoY0% QoQ
 $-15K $14,783
-1.4% YoY
 $21,704
+5.2% YoY
 $19,687
+2.0% YoY
 Bottom 0.1% in tier
CD Concentration 0.0% -24.4% 24.4% 28.4% 19.8% 50%
Indirect Auto % - - 13.8% 7.4% 7.8% -

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (4 metrics)

1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
3
Net Worth Ratio
risk
Value: 99.72%
Peer Median: -
#3 of 2556 Top 0.1% in <100M tier
43
Efficiency Ratio
profitability
Value: 39.58%
Peer Median: -
#43 of 2556 Top 1.6% in <100M tier
78
Return on Assets (ROA)
profitability
Value: 2.40%
Peer Median: -
#78 of 2556 Top 3.0% in <100M tier

Top Weaknesses (14 metrics)

2556
Loan Growth Rate
growth
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
Total Delinquency Rate (60+ days)
risk
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
Net Charge-Off Rate
risk
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
Indirect Auto Concentration (%)
balance_sheet
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
First Mortgage Concentration (%)
balance_sheet
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
Members Per Employee (MPE)
engagement
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2554
Total Deposits
balance_sheet
Value: $115.00
Peer Median: -
#2554 of 2556 Bottom 0.1% in <100M tier
2554
Total Members
engagement
Value: 16
Peer Median: -
#2554 of 2556 Bottom 0.1% in <100M tier
2554
Average Member Relationship (AMR)
engagement
Value: $7.19
Peer Median: -
#2554 of 2556 Bottom 0.1% in <100M tier
2544
Total Loans
balance_sheet
Value: $0.00
Peer Median: -
#2544 of 2556 Bottom 0.5% in <100M tier
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