BlastPoint's Credit Union Scorecard

S E A

Charter #67149 · UT

<100M

2508 CUs in <100M nationally 29 in UT

S E A has 4 strengths but faces 1 concern

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 0.74% above tier average
+ Total Delinquency Rate (60+ days): Top 0.1% in tier
+ Deposit Growth Rate: Top 4.1% in tier
+ Asset Growth Rate: Top 5.7% in tier

Key Concerns

Areas that may need attention

- Net Interest Margin (NIM): Bottom 7.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	680 +1.2% YoY-0.1% QoQ	-2.0K	2,676 +1.6% YoY	80,723 +8.1% YoY	33,913 +5.7% YoY	19%
Assets	$7.2M +11.5% YoY+3.7% QoQ	$-22.9M	$30.2M +1.3% YoY	$1.3B +11.9% YoY	$578.3M +9.0% YoY	26%
Loans	$4.3M -3.8% YoY-5.6% QoQ	$-11.0M	$15.3M -2.0% YoY	$985.7M +12.1% YoY	$402.4M +8.7% YoY	31%
Deposits	$5.8M +13.7% YoY+4.3% QoQ	$-19.9M	$25.8M +0.7% YoY	$1.1B +11.5% YoY	$494.3M +9.1% YoY	25%

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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	0.9% +13.7% YoY+56.7% QoQ	+0.7%	0.1% -77.6% YoY	0.4% -49.8% YoY	0.4% -39.2% YoY	64%
NIM	2.4% -7.0% YoY+10.4% QoQ	-1.6%	4.0% +4.0% YoY	3.4% +1.0% YoY	3.8% +4.1% YoY	Bottom 6.9% in tier
Efficiency Ratio	63.8% -9.3% YoY-13.2% QoQ	-26.8%	90.6% +6.5% YoY	74.1% +0.8% YoY	84.6% +2.8% YoY	16%
Delinquency Rate	0.0%	-1.5	1.5% +3.8% YoY	0.7% +20.4% YoY	1.2% +3.4% YoY	Top 0.1% in tier
Loan To Share	73.9% -15.3% YoY-9.5% QoQ	+15.4%	58.5% -3.0% YoY	75.0% -3.9% YoY	65.6% -1.4% YoY	73%
AMR	$14,934 +4.3% YoY+0.0% QoQ	+$50	$14,884 -1.7% YoY	$21,837 +4.8% YoY	$19,920 +1.6% YoY	55%
CD Concentration	0.0%	-24.3%	24.3%	28.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.1%	7.7%	50%

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (10 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: 0.65%

#1 of 2508 Top 0.1% in <100M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

105

Deposit Growth Rate

growth

Value: 13.68%

Peer Median: 0.66%

#105 of 2508 Top 4.1% in <100M tier

143

Asset Growth Rate

growth

Value: 11.47%

Peer Median: 1.30%

#143 of 2508 Top 5.7% in <100M tier

413

Efficiency Ratio

profitability

Value: 63.82%

Peer Median: 81.45%

#413 of 2508 Top 16.4% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

556

Member Growth Rate

growth

Value: 1.19%

Peer Median: -1.37%

#556 of 2508 Top 22.1% in <100M tier

612

Net Worth Ratio

risk

Value: 19.35%

Peer Median: 14.28%

#612 of 2508 Top 24.4% in <100M tier

Top Weaknesses (3 metrics)

2334

Net Interest Margin (NIM)

profitability

Value: 2.43%

Peer Median: 3.83%

#2334 of 2508 Bottom 7.0% in <100M tier

2247

Fee Income Per Member

profitability

Value: $1.97

Peer Median: $60.42

#2247 of 2508 Bottom 10.4% in <100M tier

2035

Total Members

engagement

Value: 680

Peer Median: 1,918

#2035 of 2508 Bottom 18.9% in <100M tier