BlastPoint's Credit Union Scorecard
UINTAH
Charter #67156 · UT
2596 CUs in <100M nationally
30 in UT
UINTAH has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.11% above tier average
- + Net Interest Margin 0.41% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.0% in tier
- + Loan Growth Rate: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.0% in tier
- - Average Member Relationship (AMR): Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
940
-0.1% YoY+0.6% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
27% |
| Assets |
$4.5M
-1.5% YoY+0.3% QoQ
|
$-25.4M |
$29.9M
+1.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$1.1M
+19.4% YoY+9.8% QoQ
|
$-14.6M |
$15.8M
-2.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.4% in tier |
| Deposits |
$3.7M
-5.1% YoY-0.2% QoQ
|
$-21.7M |
$25.5M
+0.4% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
2.8%
+5.2% YoY-10.7% QoQ
|
+2.1% |
0.7%
-731.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
Top 2.7% in tier |
| NIM |
4.3%
+1.3% YoY-7.1% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
37.3%
-2.0% YoY+7.7% QoQ
|
-44.1% |
81.4%
-2.4% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.0% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
30.5%
+25.8% YoY+10.1% QoQ
|
-30.7% |
61.2%
-3.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.5% in tier |
| AMR |
$5,161
-0.2% YoY+1.3% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
52
Efficiency Ratio
profitability
Value:
37.31%
Peer Avg: -
#52 of 2596
Top 2.0% in <100M tier
70
Return on Assets (ROA)
profitability
Value:
2.79%
Peer Avg: -
#70 of 2596
Top 2.7% in <100M tier
92
Loan Growth Rate
growth
Value:
19.43%
Peer Avg: -
#92 of 2596
Top 3.5% in <100M tier
Top Weaknesses (9 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2415
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,207
Peer Avg: -
#2415 of 2596
Bottom 7.0% in <100M tier
2344
Average Member Relationship (AMR)
engagement
Value:
$5,161
Peer Avg: -
#2344 of 2596
Bottom 9.7% in <100M tier
2319
Loan-to-Share Ratio
balance_sheet
Value:
30.53%
Peer Avg: -
#2319 of 2596
Bottom 10.7% in <100M tier
2274
Total Loans
balance_sheet
Value:
$1.13M
Peer Avg: -
#2274 of 2596
Bottom 12.4% in <100M tier
2218
Fee Income Per Member
profitability
Value:
$5.25
Peer Avg: -
#2218 of 2596
Bottom 14.6% in <100M tier
2148
Deposit Growth Rate
growth
Value:
-5.09%
Peer Avg: -
#2148 of 2596
Bottom 17.3% in <100M tier
2137
Total Assets
balance_sheet
Value:
$4.50M
Peer Avg: -
#2137 of 2596
Bottom 17.7% in <100M tier
2119
Total Deposits
balance_sheet
Value:
$3.72M
Peer Avg: -
#2119 of 2596
Bottom 18.4% in <100M tier